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SBM novio Credit Card
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10%

novio reward coins

UPI. Online. Offline

₹11,000+

Instant Discounts on

& many more

It's an FD-Backed Credit Card -- Start with ₹2,000 FD

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Save ₹11,000+ on your favourite brands
with novio credit cards

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Buy 1 Get 1

Save ₹3,000/Yr

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5% OFF

Save ₹1,200/Yr

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20% OFF

Save ₹1,200/Yr

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20% OFF

Save ₹1,200/Yr

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Welcome Benefits

Worth ₹5,000

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Earn Rewards on Every novio Card Spend

10%novio coinson fuel purchase

5%novio coinson UPI

5%novio coinsat store spends

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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.

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Flexible FD

₹2,000 to ₹5 lakhs, Insured by RBI

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Up to 7% interest

On your FD. Grow savings securely

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Instant Card

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

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Flexible Credit Limit

90% of FD, top up anytime

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Easily Improve Your Credit Score to 750+

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Get SBM novio Credit Card by making a FD

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

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Add on UPI & Use for Regular Spends

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

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Pay Your Credit Card Bills on Time

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

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Track Your Credit Score

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

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Exclusive RuPay Benefits

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View offers
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Real People, Real Stories

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Sneha, HR Professional

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4.0

I use UPI a lot but never got rewarded for my transactions. The SBM novio Credit Card changed that and now every UPI spend earns me rewards!

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Kunal, Freelancer

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4.5

Without income proof, getting credit card was difficult until I found SBM novio FD Credit Card. I just opened a small FD & got my card in 4 hours!

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Rahul, Student

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4.2

Every month I save on food & shopping and also get free movie tickets with my SBM novio Credit Card. It’s the perfect companion for my student life.

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Proven Credit Results

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30,25,000+

Indians trust novio for credit

MITCKey Fact Statement
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Help

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care@novio.inHelpline: 8655900119

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customercare@sbmbank.co.in

Helpline: 1800 1033 817

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Copyright © 2026 Credilio Financial Technologies Private Limited. All rights reserved. (CIN No. U72900MH2020PTC342791) Credilio is an authorized distributor of 25+ Banks and NBFCs for the distribution of Credit Cards and Personal Loans. novio is a registered brand owned by Credilio.

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