10% Rewards & ₹11,000+ Instant Discounts

Exclusive Lounge Benefits

Save ₹11,000+ on Your Favourite Brands

Buy 1 Get 1

Save ₹3,000/Yr

5% OFF

Save ₹1,200/Yr

20% OFF

Save ₹1,200/Yr

20% OFF

Save ₹1,200/Yr

Welcome Benefits

Worth ₹5,000

Earn Rewards on Every novio Card Spend

10%novio coinson fuel purchase

5%novio coinson UPI

5%novio coinsat store spends

Use novio Coins to Save Up to 12%

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3-in-1 Benefits -- FD, Credit Card & Savings

#3in1Benefits
FD bhi. Credit Card bhi. Savings bhi.

Flexible FD

₹2,000 to ₹5 lakhs, Insured by RBI

Up to 7% interest

On your FD. Grow savings securely

Instant Card

Virtual card at ₹2K FD Physical at ₹10K FD

Flexible Credit Limit

90% of FD, top up anytime

Easily Improve Your Credit Score to 750+

Get SBM novio Credit Card by making a FD

Gives you easy access to credit while minimizing risk for a strong financial future.

Add on UPI & Use for Regular Spends

Link your card to UPI and use it for everyday purchases to build usage history.

Pay Your Credit Card Bills on Time

Make timely payments to avoid fees and improve your credit score.

Track Your Credit Score

Monitor your credit score regularly to see your progress and stay on track.

Select from 2 Best-in-Class Options

Exclusive RuPay Benefits

Real People, Real Stories

Arjun, Startup Analyst

4.0

I didn’t expect lounge access on an FD-backed card, but the DCB novio FD Credit Card actually gives it. Makes my work travel more comfortable.

Rina, Small Business Owner

4.5

I believed credit cards were only for people with high income. But DCB novio FD Credit Card proved that anyone can get one.

Megha, Content Strategist

4.2

If you shop online, eat out often, then this Card is your savior! You get amazing offers, rewards, & save so much!

Proven Credit Results

30,25,000+

Indians trust novio for credit