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novio Fixed Deposit Credit Card

novio offers lifetime-free RuPay fixed deposit credit cards ...novio offers lifetime-free RuPay fixed deposit credit cards for UPI users, bringing together 10% novio coins on fuel purchases, 5% coins on UPI and store spends, no income proof requirement, no credit score dependency, and credit-building support. Apply via CashKaro to earn extra Rewards on successful activation

Upto ₹2000 Rewards

on Credit Card Activation

SBM Novio Credit Card Benefits

1Lifetime Free Card

2Instant approval against FDs starting at ₹2,000, with interest up to 7% p.a

3Save Up to 20% on Swiggy, Zomato, Instamart, BookMyShow & More

4Earn up to 10% Novio Coin Rewards on UPI spends

Important Timelines

Important Terms & Conditions

A minimum transaction of Rs 100 is required within 30 days to activate the card
Please use your Aadhaar linked Mobile number to complete the application
Use your Mobile Number for raising Missing Rewards Ticket

Rewards Rates

₹2,000

Rewards on FD funding above Rs.50,000

₹1,250

Rewards on FD funding between Rs.25000 - Rs.50000

₹875

Rewards on FD funding between Rs.10000 - Rs.25000

₹500

Rewards on FD funding between Rs.5000 - Rs.10000

₹250

Rewards on FD funding between Rs.2000 - Rs.5000

How to Get This Offer?

Eligibility Criteria

Age: 21 to 65 years
Minimum Funding Required: Rs 2000 (Physical Card available on FDs above Rs 10,000)

Fees & Charges

Joining Fee: Nil(Lifetime Free)
Annual Fee: Nil(Lifetime Free)

Steps To Apply

Click on the orange button
You will be redirected to Novio App on App store/Play store
Complete the application in the same session

Terms & Conditions

CashKaro Rewards Related

A minimum transaction of Rs 100 is required within 30 days to activate the card
Please use your Aadhaar linked Mobile number to complete the application
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also Remember

Resume your application only via CashKaro to avoid losing Rewards
If your Rewards do not track, raise a Missing Rewards ticket within 30 Days from the application date
Use your Mobile Number for raising Missing Rewards Ticket
Rewards can only be redeemed as Amazon Pay Balance

SBM Novio Credit Card Benefits

1Enjoy lifetime free benefits with zero joining fee and no annual renewal charges on the card

2Start with a minimum Fixed Deposit of ₹2,000 and get a RuPay credit card based on your FD amount — a virtual RuPay Credit card for FDs between ₹2,000 and ₹9,999, a physical RuPay Credit card for FDs above Rs. ₹10,000

3Earn up to 10 Novio Coins for every ₹100 spent on fuel transactions made via UPI, and 5 Novio Coins for every ₹100 spent on UPI payments and other eligible retail purchases, subject to eligible transaction values and applicable monthly reward caps.

4Save ₹18,000+ Annually through offers and discounts on brands like Amazon, Swiggy, Zepto, BookMyShow, HPCL, Yatra and more.

5Get Welcome benefits worth ₹5,000+ with vouchers and discounts from brands like HPCL, AJIO, Trends Footwear, Soch, Watcho, Pocket FM, The Man Company, Yatra, AbhiBus, PharmEasy, and WOW Skin Science.

6Get a credit limit of up to 90% of your FD amount, with the flexibility to increase the limit by topping up the FD.

Rewards Tracking Timeline

Your Rewards are added once the bank sends us the application completion report. This takes up to 72 hours after you complete the card application.

Rewards Confirmation Timeline

Once your card is activated, the bank shares a report with us which is used to update your Rewards status. Please note, this process can take up to 75 days, starting from the date you applied for the card.

Accept App Orders?

Orders placed on SBM Novio Credit Card app are eligible for Rewards

Accept App Orders?

Orders placed on SBM Novio Credit Card app are not eligible for Rewards