RuPay Credit Cards for Every UPI User
From daily chai to groceries to movie tickets, now everyone uses UPI.
While 45 crore+ people use UPI, less than 5 crore have a credit card.
Servicing this gap is novio’s mission.
On novio app, we guarantee** a RuPay Credit Card for everyone.
No complicated rules. No rejections.
Just start a Fixed Deposit and get the most rewarding RuPay Credit Card.
Use it for shopping, groceries, food delivery, link it on any UPI app and earn novio coins on UPI payments. Plus, enjoy 45 days of interest-free credit.
Bas Fixed Deposit banao, RuPay Credit Card le jaao!
Partner Banks:
Indian Overseas Bank | DCB Bank | SBM Bank
WHO IS NOVIO MADE FOR?
novio is crafted for everyone:
- First-time credit card users
- Students & early earners
- Freelancers & gig workers
- Those with no income proof
- Anyone looking to build 750+ credit score
WHY CHOOSE NOVIO RUPAY CREDIT CARDS?
- GUARANTEED APPROVAL**
No income proof, no credit history, no paperwork. Your small FD unlocks your credit card instantly.
- LIFETIME FREE CARD^
No joining fee, no annual fee^, no hidden charges.
^Refer MITC for individual bank's details
- FREE AIRPORT LOUNGE ACCESS
Enjoy free international & domestic airport lounge access* on Fixed Deposit of ₹25,000 & above, on the IOB novio Credit Card & DCB novio Credit Card.
- TRAVEL WITH NOVIO
Now book your flight tickets with novio & get a 10% discount* on your first flight booking and a 5% discount* from your second flight onwards. Plus, earn 25% novio Coins!
- ₹23,000* BENEFITS ON TOP BRANDS
- Buy 1 Get 1 movie ticket FREE* on BookMyShow
- Up to ₹1,000 off on Amazon*
- ₹150 off on Zepto*
- ₹100 off on Swiggy*
- ₹5,000 worth welcome benefits*
- EARN 10% COINS WITH NOVIO UPI & CARD
5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards
- DISCOUNTS ON TOP BRANDS
Redeem novio coins for big discounts on 10+ top brands
- FD-BACKED & RBI-INSURED
Your FD remains safe and earns up to 7% annual interest. It is also RBI-insured up to ₹5 lakh.
- A SAFER WAY TO USE CREDIT
Traditional credit cards make it easy to spend first and worry later. With an FD-backed Credit Card, your limit comes from a Fixed Deposit in your own name. Your money stays safe, earns interest, and sets a clear boundary on how much you can spend.
Because when your credit has a real limit, overspending stops, debt doesn’t build, and control comes naturally.
- REFER & EARN
Share novio with your friends and both of you get rewarded when their novio credit card is issued. More friends = more rewards. Simple.
HOW IT WORKS?
1. Download the novio App
2. Create a Fixed Deposit
3. Complete your quick Video KYC
4. Get your virtual RuPay Credit Card within a day*
5. Spend anywhere, earn rewards, and build your credit score
ELIGIBILITY
- Indian National
- Age 18+
READY TO UNLOCK BENEFITS + BUILD CREDIT?
Join 34 lakh+ customers who trust novio for the most rewarding RuPay Credit Cards.
Your journey to a better credit score and bigger rewards starts here!
Download the novio App and get started today!
*Offers are subject to change
**Guaranteed approval is subject to meeting basic eligibility (age, location, internal policy); credit/income profile will not lead to rejection.
**Novio UPI Credit Card Review (4/5 ⭐)**I've been exploring the Novio UPI Credit Card and found it to be a good option for beginners and people who don't have a strong credit history. The biggest advantage is that it offers an FD-backed credit card with relatively easy approval and allows UPI payments through a RuPay credit card. Novio also promotes rewards on UPI transactions, which can make everyday spending more rewarding.The app interface is generally easy to use, and many users report that it helps them start building their credit score.However, there are some drawbacks. A few users have reported app bugs, onboarding issues, delays in customer support, and concerns about card closure charges or fees in certain situations. Community discussions also suggest reading the terms carefully before applying.**Pros:*** Easy approval with FD-backed cards* UPI payments via RuPay credit card* Rewards on eligible transactions* Helpful for building credit history**Cons:*** Some users report technical issues* Customer support experience can vary* Check closure fees and card terms carefully**Overall Rating: 4/5 ⭐**A good choice for first-time credit card users and those looking to build credit, but it's worth reviewing all charges and conditions before applying.
Developer Response
Hi Raja, We appreciate your kind words. Thank you for choosing novio! - Team novio
Awesome
Swaraj82962
Really impressed with the novio app. Getting a credit card used to be such a hassle with all the rejections and paperwork, but this made it so simple. I just set up a Fixed Deposit, did a quick video KYC, and got my RuPay credit card within a day — no complicated eligibility checks or rejections.The best part is I can use it for all my everyday UPI payments like groceries, food delivery, and recharges, and I get rewards on top of that plus 45 days of interest-free credit. It's a great way to build a credit score, especially if you don't have a strong credit history yet.The app is clean, easy to use, and the whole process is smooth from start to finish. Highly recommend it if you're looking for a simple, no-hassle way to get a credit card and start building your credit.
Best and easy way to building your credit score
Narpat96
Applied mainly because I wanted a RuPay credit card for UPI without going through the usual rejection hassles. The FD-backed process was straightforward, the app is clean, and the onboarding was smoother than I expected. I've been using the card for everyday UPI payments like groceries, food, and shopping, and earning rewards on spends is a nice bonus.The best part is that it helps build credit history while still keeping spending under control since it's backed by an FD. Overall, it's been a good experience so far. Would love to see even more reward partners and a few more in-app insights on spending, but the app does exactly what it promises. Iam fully satisfied with this sbm card
Excellent app for building credit score + rewarding UPI spends! ⭐⭐⭐⭐⭐
ATxTeck001
Been using Novio and their FD-backed card since January, and honestly, it’s a lifesaver. If you're a freelancer, student, or just don't have a salaried job, getting a credit card is usually a nightmare. With this, you just put some money in an FD, get 7% interest on it, and they instantly give you a RuPay credit card with a 90% limit.I linked it to my UPI and use it for all my daily expenses to get reward points. No hidden charges, completely free, and it actually helps fix or build your credit score. The app is fast, though the reward section can sometimes be a bit smoother. Overall, totally worth it if you want an easy credit card.
Developer Response
Hi, We're so glad to hear you're having a great experience. Thanks for your support! - Team novio
General Bug Fixes!
Version 1.9.31
The developer, Credilio Financial Technologies Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Credilio Financial Technologies Private Limited
Size
169.3 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
iPad Requires iPadOS 17.0 or later.
Mac Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.
