10%
novio Coins
UPI. Online. Offline
₹23,000
Instant Discounts on
& many more
10% Rewards & ₹11,000+ Instant Discounts
Exclusive Lounge Benefits
Save ₹23,000 on your Favourite Brands
with novio Credit Cards
Buy 1 Get 1
Save ₹3,000/Yr*
5% OFF
Save ₹12,000/Yr*
10% OFF
Save ₹1,800/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 20%
3-in-1 Benefits -- FD, Credit Card & Savings
#3in1Benefits
FD bhi. Credit Card bhi. Savings bhi.
Flexible FD
₹2,500 to ₹4 lakhs, Insured by RBI
Up to 7% interest
On your FD. Grow savings securely
Instant Card
Virtual card at ₹2,500 FD. Physical at ₹10,000 FD
Flexible Credit Limit
90% of FD, top up anytime
Easily Improve Your Credit Score to 750+
Get IOB novio Credit Card by making a FD
Gives you easy access to credit while minimizing risk for a strong financial future.
Add on UPI and 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.
Find your Best Fit
Benefits
Select 
Platinum 
novio Partner Offers (Amazon, BookMyShow, Zepto, Swiggy)
RuPay Offers on Top Brands
FD Interest Up to 7%
Link UPI to any app
Get up to 10% Coins on novio UPI Spends
Use coins to get up to 18% discount on e-vouchers of Amazon, Flipkart, Domino’s and many more
Physical Card
( Starting ₹10,000 )
Airport Lounge Access - Domestic
Airport Lounge Access - International
Total Lounge Visits per year
Welcome Benefits Worth ₹5,000
Minimum Fixed Deposit
Real People, Real Stories
Abhijeet, Salaried
“Got my first credit card”
Deepak, Salaried
“Saving on movie ticket every month”
Manish, Self employed
“Built my credit score to 760”
Paramjeet, Self employed
“Took charge of my credit journey”
Sachin, College Student
“Started building my credit in college”
Dr. Vivek
“Saving on fuel every month”
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Products
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novio
care@novio.inHelpline: 8655900119Indian Overseas Bank
creditcard@iobnet.co.inHelpline: 18008904445, 044-2851-9573, 044-2851-9574, 044-2851-9575
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