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.
• 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!
• LIFETIME FREE CARD
No joining fee, no annual fee, no hidden charges.
• ₹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* on Yatra, Trends Footwear, Pharmeasy & more
• EARN 10% COINS* WITH NOVIO UPI & CARD
5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards
• SAVE UP TO 20%* ON TOP BRANDS
Redeem novio coins for up to 20% discount* on 10+ top brands including Amazon, JioMart, PVR, Flipkart, Myntra, Domino’s, Swiggy.
• 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:
• You earn: ₹500 + 500 novio coins worth ₹100 per card issued
• They earn: ₹250 + 250 novio coins worth ₹50
HOW IT WORKS?
Download the novio App
Create a Fixed Deposit
Complete your quick video KYC
Get your virtual RuPay Credit Card within a day*
Spend anywhere, earn rewards, and build your credit score
ELIGIBILITY
• Indian National
• Age 18+
READY TO UNLOCK REWARDS + BUILD CREDIT?
Join 35 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.
ଡିଭେଲପର୍ ପ୍ରତିକ୍ରିୟା
Hi Raja, We appreciate your kind words. Thank you for choosing novio! - Team novio
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.
ଡିଭେଲପର୍ ପ୍ରତିକ୍ରିୟା
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.
ଡିଭେଲପର୍ ପ୍ରତିକ୍ରିୟା
Hi, We're so glad to hear you're having a great experience. Thanks for your support! - Team novio
Improved IOB FD payment experience with enhanced payment flow.
Enhanced IOB VKYC journey with better permission handling and UI improvements.
Faster app experience with home screen loading optimizations.
Refreshed MPIN screen design.
Improved voucher experience for eligible customers.
General bug fixes, performance improvements, and CleverTap SDK upgrade.
