Introducing novio pay
5% novio coins on every UPI payment

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Why switch to novio UPI?
novio UPI gives back novio coin rewards for every payment. Approved by NPCI, it brings you the trust of India’s UPI network with a powerful upgrade: up to 5% novio coins on every payment. Built for speed and simplicity, novio UPI is fast, secure, and effortless to use. Create your novio UPI ID now & start earning from your daily spends.
Features & Benefits






DOUBLE Rewards with novio FD Credit Card
5%
novio coins
on UPI
+
5%
novio coins
on novio Card
=
10%
novio coins
Rewards
More Benefits of using novio UPI + novio FD Credit Card
- Pay using credit card on UPI, no need to use your bank balance
- Your savings account remains safe from fraudsters
- No debt on you. Spend only within the card limit
- Every payment stays secure and protected
- See all your UPI payments in one place
- Earn rewards on every single UPI payment
Use novio coins to get up to 12% discounts on your favourite brands
How to use novio UPI in 3 easy steps?
Proven Credit Results

31,55,000+
Indians trust novio for credit

100+ years
Of combined experience
Banking & Payment Partners
PCI DSS
Compliant
ISO 27001
Certified
Banking & Payment Partners
PCI DSS
Compliant
ISO 27001
Certified
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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.
