novio: UPI Credit Card for All

novio helps you take your first step into the world of credit - securely and smartly. Get an instant virtual credit card that’s backed by a fixed deposit (FD). No income proof or credit score? No problem.

With novio, you can start by booking an FD and get the SBM Credilio Credit Card instantly. 87% of users received their virtual card within just 4 hours. Use it online, offline, and on any UPI-linked apps - just like any other card. Every transaction helps build your credit score, while your FD stays completely safe and continues to earn interest.

And there’s more - every spend earns you up to 10% novio coins. Redeem these coins on discounted e-vouchers of top brands. Whether you’re paying bills, shopping, or dining, your spending always comes with extra benefits.

Who is novio For?

🆕 People who have not taken any credit
💼 Self-Employed/Freelancers
🏡 Homemakers
📈 People who want to improve their credit score to 750+

Why Choose novio?

📝 No Income Proof or Credit Score Needed
✅ Guaranteed Approval*
🎁 Lifetime Free
🏦 Your Fixed Deposit is RBI-Insured up to ₹5 Lakhs
💸 Flexible FD Options – ₹5,000 to ₹5 Lakhs
⬆️ Increase Your Credit Limit Instantly
💳 Instant Virtual Credit Card
📈 Earn up to 7% Interest p.a. on FD
🚀 Boosts Your Credit Score with Every Swipe

What Rewards to Expect?

🎉 ₹5,000+ Worth of Welcome Benefits*
🎬 ₹3,000 off/year* on BookMyShow
🍔 ₹1,200 off/year* on Swiggy
💰 10% novio Coins* on Every UPI Spend*
🛍️ Exclusive Deals on Top Brands like ixigo, AJIO, Ritz Carlton, Kalyan Jewellers, etc.

How It Works?

📲 Download the novio App
🔐 Open an FD & complete KYC
💳 Get your SBM Credilio Credit Card instantly
🛒 Use the card anywhere – online, offline & UPI
📊 Track your score, spend, and earn rewards – all in one place

Join thousands of users building their credit with confidence. 👉 Apply today for your RuPay SBM Credilio Credit Card - it’s Guaranteed, Rewarding & Lifetime Free!