novio: UPI Credit Card for All

No Credit Score? No Income Proof? No Problem!

Want to get a Credit Card but it's your first time, or you don't have proof of income or a good credit score? The RuPay SBM Credilio Credit Card is built for people like you! Whether you’re self-employed, salaried, a student, a homemaker, getting a credit card is now simpler than ever.

No endless paperwork. No unfair rejections. Just an assured credit card with fantastic rewards.

Bas Fixed Deposit Banao, SBM Credilio Credit Card Le Jaao!

And that’s not all! You also get access to novio Rewards — exclusive deals and offers from brands you love, making every spend even more rewarding.


Key Features That You'll Love

· 10X Rewards on UPI Fuel Spends: Save more on fuel when you pay using UPI at any petrol pump. Earn up to 40 litres of free fuel annually.
· 5X Rewards on All Other Spends on UPI/POS: Get rewarded for every swipe — shopping, dining, and more.
· Assured Approval: No more rejections — get approved with a simple Fixed Deposit.
· Pay with Any UPI App: Link your card to any UPI app for quick and secure payments.
· 90% Credit Limit Against FD: Enjoy spending flexibility without financial strain.
· FD Interest Up to 7% p.a.: While you spend, your FD continues to grow.
· Redeem Rewards: Earn rewards on spends and get ready to unlock exclusive offers on top brands. Coming soon.

Take charge of your finances, enjoy unbeatable rewards, and experience the freedom of smarter spending — apply for your RuPay SBM Credilio Credit Card today!