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Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
DCB
Platinum
•••• •••• •••• 0000
Niyo Platinum Debit
VISADCB Bank • Visa• Platinum
Annual Fee
Free
Base Reward Rate
—
Foreign Tx Fee
0%
Tier
Platinum
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
⚠️ Activation: ₹50,000 per quarter
1 international Lounge Pass per calendar quarter on ₹50,000 international spend. **SINGLE CARD RULE:** spends across multiple Niyo cards do NOT combine — must hit ₹50K on ONE card. **Eligible spends:** international POS swipes + foreign e-commerce ONLY. **International ATM withdrawals are EXCLUDED** from the milestone. **Processing:** Pass unlocks up to 7 days after qualifying spend. **Pass validity:** 30 days from generation via Niyo App QR code. **Network:** 1,300+ partner international airport lounges worldwide. **NO physical swipe at lounge counter** — must generate dynamic QR in app. **NO domestic lounge access** on this card. From Apr 2026: Niyo credit card holders can also redeem Niyo Coins for lounge access (alt path).
DCB-issued, Niyo-distributed Visa Signature debit card. 0% forex markup on international txns. AMC ₹423+GST/year. Intl ATM ₹463+GST/txn. No TCS on remittances up to ₹10L (LRS spends). ATM domestic ₹1L/txn. Issued instantly via Niyo app. **Lounge: NO domestic access** (the historical Visa Signature domestic lounge benefit has been removed). **International ONLY** — 1 Pass per calendar quarter on ₹50K international spend (single-card rule, POS/ECOM only, no intl ATM). 1,300+ partner lounges worldwide. QR-only redemption via Niyo app, 30-day pass validity, 7-day processing window.