From daily chai to groceries to movie tickets, everyone now uses UPI.
While 45 crore+ people use UPI, less than 5 crore have a credit card.
Servicing this gap is Novio’s mission.
On the Novio app, we help you get a RuPay Credit Card backed by a Fixed Deposit.
No complicated rules. No rejections.
Just start a Fixed Deposit and get a 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 up to 45 days of interest-free credit.
Bas Fixed Deposit banao, RuPay Credit Card le jaao.
WHO IS NOVIO MADE FOR?
Novio is crafted for everyone:
- First-time credit card users
- Students and early earners
- Freelancers and gig workers
- Those without income proof
- Anyone looking to build a 750+ credit score
WHY CHOOSE NOVIO RUPAY CREDIT CARDS?
GUARANTEED APPROVAL
No income proof, no credit history, no paperwork. Your Fixed Deposit unlocks your credit card.
FREE AIRPORT LOUNGE ACCESS
Enjoy domestic and international airport lounge access on Fixed Deposit of ₹25,000 and above on the DCB Novio Credit Card.
TRAVEL WITH NOVIO
Book flight tickets with Novio and get up to 10% discount on your first booking and 5% discount from your second booking onwards. Plus, earn Novio coins on travel spends.
LIFETIME FREE CARD
No joining fee, no annual fee, no hidden charges.
SAVE UP TO ₹23,000 IN BENEFITS ON TOP BRANDS
- Buy 1 Get 1 movie ticket offer on BookMyShow
- Up to ₹1,000 off on Amazon
- ₹150 off on Zepto
- ₹100 off on Swiggy
- Welcome benefits worth up to ₹5,000 across brands like HPCL, Yatra, Trends Footwear and more
EARN NOVIO COINS ON UPI AND SAVE UP TO 20 PERCENT
Get Novio coins on every UPI spend. Redeem coins for discounts across brands including Amazon Fresh, JioMart, PVR, Flipkart, Myntra, Domino’s, Swiggy and more.
FD-BACKED AND RBI-INSURED
Your Fixed Deposit remains safe and earns up to 7 percent annual interest. Deposits are insured up to ₹5 lakh.
A SAFER WAY TO USE CREDIT
With an FD-backed credit card, your spending limit is based on your Fixed Deposit in your own name. Your money stays safe, earns interest, and helps you control spending responsibly.
REFER AND EARN
Share Novio with friends and both of you earn rewards when their credit card is issued.
- You earn: ₹500 + Novio coins per referral
- They earn: ₹250 + Novio coins
HOW IT WORKS
1. Download the Novio app
2. Create a Fixed Deposit
3. Complete video KYC
4. Get your virtual RuPay Credit Card within 4 hours
5. Start spending, earning rewards, and building credit history
ELIGIBILITY
- Indian resident
- Age 18 and above
READY TO UNLOCK REWARDS AND BUILD CREDIT?
Join 35 lakh+ customers using Novio for RuPay Credit Cards backed by Fixed Deposits.
Your journey to a better credit score and rewards starts here.
Download the Novio app and get started today.
Offers are subject to change.
**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
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
Best way to start building tour credit score
deyarnob
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.
Developer Response
Hi, We're so glad to hear you're having a great experience. Thanks for your support! - Team novio
Great card with smooth experience
Shubh_2424
I’ve had a good experience using the Novio SBM Credit Card. The application process was simple, and the card activation was quick. The app is easy to use, payments are processed smoothly, and I’ve not faced any major issues. Customer support has also been responsive whenever I needed assistance. Overall, it’s a good credit card for managing everyday expenses, especially if you make your payments on time. I’m satisfied with the service and would recommend it to others looking for a hassle-free credit card.
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Faster app responsiveness
General fixes and experience enhancements
General stability improvements to keep things running at peak performance
Version 1.9.20
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
164.3 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.
