Introducing novio pay

5% novio coins on every UPI payment

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Licensed by

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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.

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Features & Benefits

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DOUBLE Rewards with novio FD Credit Card

5%

novio coins

on UPI

+

5%

novio coins

on novio Card

=

10%

novio coins

Rewards

Start Paying Now
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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
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Use novio coins to get up to 12% discounts on your favourite brands

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How to use novio UPI in 3 easy steps?

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Proven Credit Results

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31,55,000+

Indians trust novio for credit

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Banner 2

100+ years

Of combined experience

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Banking & Payment Partners

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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.