General Terms & Conditions

1. Overview

Welcome to novio Mobile App, owned and operated by Credilio Financial Technologies Private Limited ("Company"), a company incorporated under the provisions of the Companies Act, 2013, and having its registered office at 1001, Classic Pentagon, Western Express Hwy, Parshiwada, Chakala, Andheri East, Mumbai, Maharashtra 400053.

Use of the novio App is offered to you conditioned on acceptance of all the terms, conditions and notices contained in these terms, along with any amendments made by the Company at its sole discretion and posted on the novio App.

2. User Representation

By registering with novio and accessing the novio Services, the user represents and warrants that:

• They are 18 years of age or older;
• They are capable of entering into a legally binding agreement; and
• They are not barred or otherwise legally prohibited from accessing or using the novio App and novio Services. They agree that the Company and its partner entities may use the credit score of the User to determine the eligibility to access services.

3. Communications

The Company may use the information submitted by the user of the novio App ("user" or "you") to respond to any queries raised by you pursuant to your use of and access to the novio App. The Company may also use such information to send you WhatsApp, RCS, emails and SMS for administrative and marketing purposes, either through its own servers and systems or through third-party service providers. You may unsubscribe or opt out of such communications at any time.

4. User Obligations

You agree and undertake to use the novio App solely for accessing information relating to the Company, including the products and services offered by it. By way of example, and without limitation, you agree and undertake that while using the novio App, you shall not:

• Modify, alter, or otherwise make derivative uses of any content, trademarks, technology platform, underlying software, or any part thereof;
• Reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or software obtained from the novio App;
• Infringe or violate the rights of the Company, its users, or any third party;
• Download, copy, reproduce, or imitate any portion of the Company's technology platform, underlying software, content, user interface, or the novio App, except as expressly permitted by the Company;
• Aggregate, scrape, or extract any content, data, or other information from the novio App for display with material from other websites or on a secondary platform without the Company's prior written consent;
• Hyperlink to or deep-link to any portion of the novio App without the Company's prior written consent;
• Interfere with, attempt to access, or seek to obtain any data or information from or relating to the novio App without authorization;
• Engage in any fraudulent, unlawful, or corrupt activity, including but not limited to hacking, password mining, impersonation, misrepresentation of identity or affiliation, concealment of true identity or location (including through proxy servers), or submission of false, inaccurate, or altered information or documentation;
• Circumvent or attempt to circumvent any security measures or features intended to protect the novio App or its users;
• Use the novio App for any purpose other than its intended purpose, including for malicious, threatening, unethical, harassing, fraudulent, or illegal activities, or in violation of these terms of use;
• Upload any files or content protected by intellectual property laws unless you own or control the requisite rights or have obtained all necessary consents;
• Upload or distribute files containing viruses, malware, corrupted files, or other software or programs that may damage the operation of the novio App or any other user's device;
• Conduct or forward surveys, contests, pyramid schemes, or chain letters through the novio App;
• Falsify, delete, or alter any author attributions, legal notices, proprietary notices, or source identifiers in any content uploaded or transmitted;
• Violate any applicable code of conduct or guidelines relating to any service offered through the novio App;
• Violate any applicable laws or regulations in force in India or any other jurisdiction; or
• Violate any provision of these terms of use or any other terms and conditions governing the use of the novio App.

You shall be liable for ensuring that the credentials of your account are kept confidential. In the event, the credentials are shared with any third party, the Company shall not be responsible for any authorized or unauthorized actions of such third party, and the User alone shall be liable for all such actions.

Under no circumstances shall the Company be liable for any consequential, indirect, incidental, or remote loss or damage suffered by you or any third party, including your friends or family.

The Company shall have the right to suspend or terminate the account of the User for any breach of the obligations set out above or any terms set out herein. Upon termination for any reason, You agree to immediately stop using our services. Further, You agree that We may at any time and for any reason, terminate Your access to the Services, or restrict or suspend Your access to all or any part of the novio App at any time, for any or no reason, with or without prior notice, and without any liability. If there is a suspicion of untoward or illegal activity, fraud whether suspected or otherwise, We may suspend Your account immediately.

5. Intellectual Property

Unless otherwise indicated, or except where any proprietary material is owned by a third party and expressly identified as such, all intellectual property rights in and to the trademarks of the Company and the novio App are owned by the Company. This includes, without limitation, all rights, title, and interest in and to copyrights and related rights, patents, utility models, designs, know-how, trade secrets, inventions (including patent-pending inventions), goodwill, source code, meta tags, databases, text, content, graphics, icons, and hyperlinks.

You acknowledge and agree that you shall not use, reproduce, modify, distribute, display, or otherwise exploit any content belonging to the Company and available on the novio App without obtaining the prior written authorization of the Company.

Notwithstanding the foregoing, it is expressly clarified that you shall be solely responsible for any content that you provide, post, upload, transmit, or store while using any service through the novio App, including without limitation any text, data, information, images, photographs, audio, video, or other material made accessible by you through your use of the novio App.

6. Links to Third Party Sites

The novio App may contain links to third-party websites ("Linked Sites"). The Linked Sites are not under the control of the Company, and the Company does not assume any responsibility for the content of any Linked Site, including without limitation any links contained therein, or any changes or updates to such Linked Sites.

The Company is not responsible for any form of transmission whatsoever received by you from any Linked Site. Any links, including links to online advertisements, are provided solely for your convenience, and the inclusion of any link does not imply any endorsement, affiliation, or association with the Linked Sites, nor does it represent the advice, views, opinions, or beliefs of the Company.

You are solely responsible for verifying the accuracy, completeness, and usefulness of any information available on the Linked Sites before relying on it. If, by accessing the novio App or any Linked Site, you are exposed to content that you consider offensive, unlawful, or inappropriate, your sole remedy shall be to discontinue use of the novio App.

7. Disclaimer of Warranties and Liability

The Company has made reasonable efforts to ensure that the information available on the novio App is accurate. However, the Company does not warrant or make any representations, express or implied, regarding the quality, accuracy, completeness, reliability, or suitability of any data, information, products, services, or functionalities made available through the novio App.

To the maximum extent permitted under applicable law, the Company shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages, or any other damages whatsoever, arising out of or in connection with the use of, or inability to use, the novio App. This includes, without limitation, any delay or failure in performance, non-availability of the novio App, or any information, software, products, services, functionalities, or related graphics obtained through the novio App, whether based on contract, tort, negligence, strict liability, or otherwise.

The Company shall not be responsible for the non-availability of the novio App during scheduled maintenance, upgrades, or any unplanned suspension of access due to technical issues or any reason beyond the Company's reasonable control.

You acknowledge and agree that any material or data downloaded or otherwise obtained through the novio App is done entirely at your own discretion and risk, and you shall be solely responsible for any damage to your device, systems, or loss of data resulting from such download or use.

8. Consent in relation to access to credit information through Credit Information Companies

1. The user agrees to seek their credit score from Credit Information Companies ("CIC") using the novio App and disclose the said credit score to novio. novio may use the said credit score to determine the user's eligibility for access to various novio Services. novio may, at its sole discretion, prevent users from accessing the novio App. novio may collect PAN as information during registration. The purpose of the PAN will be to verify the user through CICs and also pull the CIC records.
2. The user agrees that the Company is his/her lawfully appointed agent and the Company has agreed to be his/her agent for the purposes, including, without limitation, to receive the credit score and other related information from CICs on the user's behalf and use it and the Company has granted its consent for being appointed for the aforesaid purpose.
3. The user hereby grants its unconditional consent to the Company to receive credit score and other related information from CICs on the user's behalf and the Company has granted its consent for being appointed for the aforesaid purpose. The user hereby represents and acknowledges that the terms in relation to the use of the credit score and other related information has been agreed between the user and the Company.
4. The user agrees that the user's consent may be stored by the Company on a permanent basis and may be verified from time to time. The user understands that the Company cannot access the credit score and other related information for more than six (6) months on the basis of a single consumer consent and that such consent is required to be refreshed every six (6) months. The Company may store the credit score and other related information only for (i) a limited period of six (6) months, or (ii) such period as is necessary to satisfy the purpose for which such information was provided, or (iii) until the user withdraws consent for storage of such credit score and other related information, whichever is earlier. Upon expiry of such period, the stored credit score and other related information shall be deleted, purged, or expunged by the Company.
5. The user shall not hold the CICs responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of the user's credit score and other related information to the Company; (b) any use, modification, or disclosure by the Company of such credit score and other related information, whether authorized or unauthorized; or (c) any breach of confidentiality or privacy in relation to the delivery of the user's credit score and other related information to the Company.
6. The user agrees that consent may be required to be recorded or provided electronically, and in all such cases, the user understands that by clicking on the "I Accept" button, the user is providing "written consent" to the Company, authorizing the Company to obtain the user's credit score and other related information from the user's personal credit profile maintained with CICs. The user further authorizes the Company to obtain such information solely for the purpose of confirming the user's identity and displaying the credit score and other related information to the user. By checking the relevant box and clicking on the "Authorize" button, the user agrees to the applicable terms and conditions, acknowledges receipt of the privacy policy of the CICs, and confirms authorization for the Company to obtain the user's credit score and other related information.
7. The user understands that, in order to deliver the relevant product, the user hereby authorizes the Company to obtain the user's credit score and other related information from the CICs.
8. By submitting the registration form, the user understands and agrees that the user is providing express written consent for the Company to request and receive information about the user from third parties, including but not limited to consumer reporting agencies, at any time for so long as the user maintains an active account with the Company. The user further authorizes the Company to retain a copy of such information in accordance with its terms of use and privacy policy.
9. The user understands that the product is provided on an "as-is" and "as-available" basis, and the CICs expressly disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
10. The user agrees not to institute any suit or proceeding or otherwise make or present any demand or claim and irrevocably, unconditionally, and fully releases, waives, and forever discharges the Company, the CICs, their officers, directors, employees, agents, licensees, affiliates, successors, and assigns (collectively, the "Releasees") from any and all liabilities, claims, demands, losses, suits, costs, and expenses (including court costs and reasonable attorneys' fees), whether known or unknown, arising out of or in connection with the submission of the user's credit score and other related information and/or the authorization granted to the CICs to deliver such information to the Company. The user further agrees to defend, indemnify, and hold harmless the Releasees from and against any losses resulting from third-party claims arising in connection with this authorization.
11. The user agrees that this confirmation shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai. The CICs shall be entitled to assign their rights hereunder to any third party without obtaining the prior written consent of the user.
12. The user hereby expressly authorizes and consents to the Company, its partner banks, financial institutions, fixed deposit issuers, KYC agencies, and other regulated entities to collect, access, verify, share, and process the user's personal, financial, and KYC information (including PAN, Aadhaar, bank account details, credit information, and fixed deposit–related details) for the purposes of onboarding, KYC verification, product eligibility assessment, servicing, regulatory compliance, and related communications. The user further consents to receive communications from such banks, financial institutions, or their authorized representatives, including in relation to account status, KYC, product updates, confirmations, or regulatory disclosures, through electronic or other permitted modes. The user undertakes to promptly notify the Company of any change in personal, contact, banking, or financial details, including but not limited to address, mobile number, email address, bank account status, or KYC information, and acknowledges that the Company and its partners shall be entitled to rely on the most recent information available with them unless duly updated by the user, and shall not be liable for any consequences arising from the user's failure to provide timely updates.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Company from and against any and all losses, liabilities, claims, damages, costs, and expenses (including reasonable legal fees, disbursements, and any interest chargeable thereon) that are asserted against or incurred by the Company and that arise out of, result from, or are payable by virtue of any breach, non-performance, or violation of any representation, warranty, covenant, agreement, or obligation made or required to be performed by you under these terms of use.

10. Other Terms

1. Before using the App, users must read all of these General Terms of Use including the ones set out above ("Terms") herein and the Privacy Policy provided on the App. By using novio's products, software, services, and the Website or by availing any products offered by novio's partner institutions or third parties ("Services"), users understand and agree that novio will treat their use of the Services as acceptance of these Terms from such point of usage. Users may not use the App if they do not accept the Terms. It is strongly recommended for users to return to this page periodically to review the most current version of the Terms in force. novio reserves the right at any time, at its sole discretion, to change or otherwise modify the Terms without prior notice, and the user's continued access or use of this App signifies their assent/ratification of the updated or modified Terms. If users object to these Terms or any subsequent modifications to these Terms in any way, their only recourse is to immediately terminate the use of the App. novio may require users to agree to additional terms (if any) between them and novio in connection with specific services that they may avail of from time to time. The service provided by novio through the App is available and appropriate only for use in India.
2. Additional Terms: In addition to these Terms, certain plans, offers, products, services, elements, or features may also be subject to additional terms, conditions, guidelines, or rules which may be posted, communicated, or modified by novio or applicable third parties at any time. The user's use of any such plan, offer, product, service, element, or feature is subject to those additional terms and conditions, which are hereby incorporated by reference into the Terms, provided that in the event of any conflict between such additional terms and the Terms, the Terms shall prevail.
3. App Permissions: The permissions collected in the app will serve the following purposes: They are 18 years of age or older; They are capable of entering into a legally binding agreement; and They are not barred or otherwise legally prohibited from accessing or using the novio App and novio Services.
4. Brand Packs: For all customers who have availed the Brand Packs, the ability to redeem the brand packs will be available inside the novio app if the brand packs has not expired.
5. novio Limited Period Offers: novio may run promotional offers for a limited time. These offers will be valid only for select customers who receive the offer through WhatsApp, Push Notifications, or any other authorized communication channel. In the event that the promised benefit is unavailable due to unforeseen circumstances, an alternative benefit of equal or higher value will be provided to the customer.
6. Account Deletion: Users can request for the account to be deleted by filling the details in the app under 'delete your account'. Once a request is received, novio will confirm the deletion status to the user within 10 working days.
7. novio is a product offered by Credilio Financial Technologies Private Limited – which acts as an authorized distributor for banks and NBFCs. Customers registered on Credilio will also be shown as registered on novio.

11. Miscellaneous

Failure to enforce any rights conferred by these Terms or any law shall not be deemed to be a waiver of any such rights or operate so as to the exercise or enforcement thereof at any subsequent time.

12. Governing Law

All claims, matters and disputes are subject to the exclusive jurisdiction of the competent courts in Mumbai only. These Terms and/or the use of the services provided by partner entities shall be governed by the laws of the Republic of India and no other nation. The user and the Company agrees to submit to the exclusive Jurisdiction of the Courts located in Mumbai, India as regards any claims or matters arising under these Terms and Conditions. The Company accepts no liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than the Republic of India. In case any proceedings are initiated by or are against the Company, it shall be entitled to recover all legal expenses incurred in connection with the legal actions, including but not limited to costs, both taxable and non-taxable, and reasonable attorney fees.

13. Assignment

The Company may assign its rights and duties under these Terms without any notice to You. You will not assign or otherwise transfer Your rights or obligations under these Terms. The laws of India shall be applicable to these Terms.

14. Limitation of Liabilities

The Company shall not be liable for any claims that a User may have against the partner entities providing services in the novio App including in relation to credit cards or fixed deposits availed by the user with such entities. The Company merely acts as a technological partner of partner entities including banks and NBFCs.

To the maximum extent permitted by law, the Company and its partner entities shall not be liable for:

• Technical errors, system downtime, or communication failures;
• Indirect, consequential, or punitive damages arising out of your use of the services provided by the Company;
• Any issues faced by you vis-à-vis the usage of the card obtained through the novio App; and
• Any issues in relation to coupons or vouchers purchased by you through the novio App.

In any case, the liability of the Company in relation to a User shall not exceed the fees/commissions earned by it through the services provided to the User.

The Company shall not be liable for any claims instituted or brought against the Company (i) in relation to credit cards, after 1 year of obtaining a credit card through the novio App; (ii) in relation to any other services after 1 year of the initial usage of such service; and (iii) in relation to coupons, vouchers, or discount coupons, after 6 months of availing such coupon, voucher, or discount coupon.

15. novio Rewards Program Terms and Conditions (w.e.f. 25 Jul 2025)

15.1 Introduction

This novio Rewards Program (hereinafter referred to as the "Rewards") stipulates various reward schemes offered by Credilio Financial Technologies Private Limited having its registered office at 1001, Classic Pentagon, Western Express Hwy, Parshiwada, Chakala, Andheri East, Mumbai, Maharashtra 400053 (hereinafter referred to as "We", "Us", "Our", "Company" or "Credilio"), to its end user (hereinafter referred to as "You", "Your", "Customer") in relation to the use of the website www.novio.in and/or the mobile application 'novio App' available at Android/iOS platforms (collectively referred to as the "Online Platform").

15.2 Definitions

Except otherwise provided, these words will have the following meanings:

• "novio coins" mean the currency of Rewards. Customers are assigned novio coins in the manner set out below in Paragraph 15.3 (novio Rewards Program). novio coins assigned in above manner can be redeemed against options provided in novio app at the instant of redemption. These options can be modified from time to time at the sole discretion of the Company.
• "Gift Cards" or "Vouchers" mean the facility of purchasing gift cards offered on novio app. This is offered in partnership with our third-party/Vendors, who will be fully responsible for operating this facility. In case of any usage complaints, queries or issues will be managed by respective Vendors.
• "Services" means access to the Platform and services provided through it, our content, and any other product or service provided by us pursuant to these Terms; Through our Services, the user is allowed to redeem novio coins against various options provided.
• "Vendor" means a third-party marketplace, seller, Gift Card issuer or vendor whose goods or services you can avail through our Platform.

15.3 novio Rewards Program

Under the novio Rewards Program, users can earn novio coins through the following means:

• By undertaking eligible spends as per the terms communicated in the App and/or by the participating Bank/NBFC/lending partners ("Spend Rewards"). Spend Rewards do not have an expiration date unless otherwise communicated to the Users.
• By participating in activities or offers as communicated from time to time through the App, SMS, WhatsApp, push notifications, email, or any other authorized communication channel ("Promotional Rewards"). Promotional Rewards have an expiry date, which is communicated at the time of the offer and is also visible in the app once the coins have been credited. Users are advised to check the 'Rewards' section in the app to view the expiry of their Promotional Rewards. Users are also advised to keep checking terms of 'Rewards' to check the terms and conditions that are subject to vary from time to time. User acknowledges and agreed that the Company may at its sole discretion vary the terms and conditions from time-to-time.

Users' participation in any offer constitutes their understanding and agreement to the complete terms and conditions associated with each offer.

The earning, accumulation, redemption, validity, and expiry of novio coins are governed by the terms and conditions of the Rewards Program as updated and communicated periodically. novio coins have no monetary value unless specifically permitted for redemption as per the Rewards Program terms, and cannot be exchanged for cash or any other benefit unless explicitly communicated otherwise. There is no inherent value in novio Coins. The availability and nature of products, vouchers, discount coupons, or other benefits redeemable using novio coins shall be solely at the discretion of the Company.

novio coins shall be assigned in the manner set out above and transactions where refund has been initiated will not be considered or adjusted, wherever needed. In case we learn that a User is involved in manipulative behaviour or malpractices of any sort whatsoever, Credilio shall have the sole right to cancel any balance of novio coins and also disqualify such Users from all further offers/programs and benefits provided by Credilio.

Credilio reserves the right to:

• Change, alter, modify the mode of the accrual of coins, including the number of novio coins received in proportion to your activities;
• Determine the jurisdictions in which novio coins are made available, and restrict participation in it from certain jurisdictions;
• Disqualify you from receiving novio coins, if you don't meet the eligibility criteria or for any other reasons such as abuse of the rewards program or fraud or suspicious transaction/activity or as required under applicable law;
• Discontinue or change or issue any new form of novio coins at any time, at our sole discretion;
• Seek additional information from the User in case of a dispute, including the invoices against transactions and credit card statements.

The availability, nature, quantity, and eligibility criteria of products, vouchers, coupons, or services redeemable using novio Coins may be modified, suspended, or withdrawn by the Company at any time, with or without prior notice. The Company does not guarantee the continued availability of any specific reward, vendor, or redemption option.

In addition to the terms set out hereunder, the usage of the novio coins shall also be governed by the terms and conditions of the product, voucher, or discount coupon which is being purchased by the user.

novio Coins are not transferable, not redeemable for cash, and cannot be exchanged, sold, or refunded for money or monetary consideration under any circumstances.

15.4 Usage and Redemption of novio coins

Users may use their accumulated novio coins, subject to availability, for purchasing select brand goods or services as displayed and offered in the novio App at the time of redemption. Redemption of novio coins may require additional payment by the user.

The redemption of novio coins is operated by Vendors engaged by Credilio.

15.5 Disclaimer and Limitation of Liabilities for the Rewards Program

While Credilio facilitates access through vendors, the Company does not manufacture, provide, control, or guarantee any such products or services and shall not be responsible or liable for the quality, merchantability, fitness for a particular purpose, delivery, pricing, availability, after-sales support, or any claims, disputes, losses, or damages arising out of or in connection with such third-party offerings.

Any redemption of novio Coins in respect of third-party products or services shall be subject to the applicable terms and conditions of the respective third-party vendors. The Company does not make any representations or warranties, express or implied, in relation to such third-party offerings and does not endorse or assume responsibility for the acts, omissions, or defaults of any vendor.

Any dispute, claim, or issue arising between a user and a third-party vendor in connection with the redemption or use of novio Coins shall be resolved solely between the user and such third-party vendor, and the Company shall not be a party to such dispute.

All fulfilment, delivery, performance, warranties, guarantees, refunds, exchanges, and customer support in relation to products or services redeemed using novio Coins shall be the sole responsibility of the respective third-party vendors. The Company shall not be responsible for delays, non-delivery, defective products, deficient services, or failure by any vendor to honour a voucher, coupon, or service.

15.6 Taxes and other costs

Any taxes, duties, levies, or other statutory charges arising from the accrual, redemption, or use of novio coins or any associated rewards shall be borne solely by the user. The Company shall not be responsible for determining, collecting, or paying any such taxes on behalf of the user, except as required under applicable law.

15.7 No agency or partnership

Nothing contained in these terms of use shall be deemed to create any partnership, joint venture, agency, or employment relationship between the Company and any third-party vendor. The Company acts solely as a facilitator for enabling redemption of novio Coins and does not act on behalf of, or bind, any vendor.

15.8 Other Terms

In case of any issues with the purchase, users may reach out to customer support at care@novio.in, and we will endeavour to assist in resolving the issue with the third-party provider. However, Credilio's liability is limited to coordinating with the Vendor, and any claims regarding the gift card/services/product itself are subject to the terms of the issuing brand and/or third-party provider.

The list of goods/services available for redemption, as well as the rates at which gift cards or goods/services are offered, are determined by Credilio at its sole discretion and are subject to change at any time without prior notice. Credilio does not guarantee the availability of any specific brand, denomination, or discount rate at any given time.

In case of any dispute relating to the Rewards Program, including earning, redemption, or brand availability, the decision of Credilio shall be final and binding.

15.9 Additional FAQs for Rewards

16. Promotional Offers Terms & Conditions

All promotional offers, benefits, rewards, discounts, cashback, vouchers, coins or similar incentives ("Offers") mentioned herein are promotional in nature and are extended on a best-effort basis for customer acquisition and engagement purposes only. Availability of any Offer is not guaranteed and is subject to applicable eligibility criteria, partner availability, technical feasibility, internal policies, and other conditions as determined by Credilio from time to time.

Credilio reserves the right, at its sole discretion, to modify, suspend, substitute, limit, or withdraw any Offer (in whole or in part), including its terms, eligibility criteria, duration, fulfilment mechanism, or benefits, at any time without prior notice. Customers shall have no claim, right, or entitlement against Credilio for non-availability, modification, or withdrawal of any Offer.

Receipt of promotional communication or visibility of an Offer on any platform does not constitute a guarantee of fulfilment. Actual fulfilment remains subject to satisfaction of all applicable conditions and successful validation. Credilio shall not be liable for any loss, inconvenience, reputational impact, or dissatisfaction arising from non-availability or change of any Offer.

16.1 BookMyShow Offer

1. Buy 1 Ticket, Get 1 Free (worth up to ₹250) on Movies or Non-Movies.
2. Valid on SBM novio Credit Card (Rupay) bookings only.
3. Max discount: ₹250 per transaction.
4. Minimum 2 tickets must be booked to avail the offer.
5. Offer valid all days of the week.
6. Offer can be availed once per card per month.
7. Offer discount applicable on ticket price only. Convenience fee and/or other charges and balance portion of the transaction amount to be paid by the user through the same card used to avail the discount.
8. Offer subject to availability.

16.2 Amazon Offer

1. Flat ₹100 instant discount on all eligible categories.
2. Minimum transaction value: ₹2,000.
3. Under this Offer, any Cardholder who, during the Offer Duration, makes any purchase of products Mobiles, TV, Appliances, Fashion, Electronics, Home, Kitchen and Furniture from Amazon.in and makes the payment using the Credit Card will be entitled to receive flat instant discount on credit card during the Offer Duration.
4. A customer can avail a maximum discount of ₹100 per month.
5. Offer not applicable on Grocery purchases.
6. Offer subject to availability.
7. Cardholders who fulfil the aforementioned criteria will be provided with a flat instant discount, subject to a maximum of INR 100 per card on Credit card non-EMI transactions during the Offer Duration.
8. The purchase of the product(s) will be governed by the terms of sale, including terms of exchange (wherever available), applicable to the sale of the product(s) on Amazon.in. This Offer will also be applicable on purchase of product(s) by the Cardholders under an exchange offer.
9. The Instant Discount would not be applicable on payment made by Cardholders using the 'Cash on Delivery' payment option. The Offer is not applicable on Credit card EMI transactions. In case there are multiple items in a purchase order, the item-wise savings/discount may vary. However, the overall savings/discount on the purchase order will be equivalent to maximum savings/discount the Cardholder is eligible for under this Offer.
10. In the event the order is returned or cancelled by the Cardholder, seller or Amazon Seller Services Private Limited, for any reason whatsoever, and subsequently the order/purchase transaction value falls below INR 2,000 for Credit Card Non-EMI transactions the order will not qualify for this Offer and the participation of the Cardholder will be deemed withdrawn.
11. If Instant Discount is availed on any purchase, and the transaction is subsequently cancelled, the refund amount of such orders will be post adjusting the instant discount amount availed on the purchase.
12. Under no circumstances, will the cashback being offered under this Offer be settled in cash in lieu thereof by Amazon.
13. By participating in this Offer, every Cardholder expressly agrees that Amazon or any of its affiliates will not be liable or responsible for any loss or damage whatsoever that a Cardholder may suffer, directly or indirectly, in connection with this Offer, including but not limited to that associated with his/her use or delivery or misuse of any product purchased on Amazon.in.
14. Offer subject to availability.

16.3 Zepto Offer

1. Flat ₹100 off with SBM novio RuPay Credit Card on novio app.
2. Applicable on total payable amount ₹499.
3. Offer is exclusive to SBM novio RuPay Credit Card holders.
4. Offer can be availed once per user per month during the offer period.
5. Discount will be applied instantly at checkout when the eligible card and coupon code are used.
6. Offer valid till 30th June 2026.
7. Offer subject to availability.

16.4 Swiggy Offer

1. Enjoy 20% off on your Swiggy orders using code NOVIO100.
2. Get up to ₹100 off on a minimum order value of ₹499.
3. Offer can be availed once per month.
4. Offer applicable only on food delivery orders.
5. Offer is subject to availability.

17. novio Refer & Earn Program – Terms & Conditions

17.1 Program Overview

The novio Refer & Earn Program allows existing users ("Referrer") to invite new users ("Referee") to the novio platform and earn rewards subject to fulfillment of the eligibility criteria defined herein.

17.2 Eligibility Criteria

1. The Referee must be a new subscriber to novio credit card by clicking on the Refer-And-Earn link shared by the respective Referrer and must not be previously registered with novio credit cards.
2. The Referee must successfully complete the process and have a novio card issued.
3. The Referrer must have a valid and active novio app account.

17.3 Referral Rewards

17.3.1 Referrer Reward

The Referrer reward shall be based on the active campaign at the time of referral and may vary.

17.3.2 Referee Reward

The Referee shall receive ₹250 cash + 250 novio coins, subject to eligibility criteria and as announced from time to time.

17.4 Rewards Based on Fixed Deposit (FD) Amount

1. For FD amount greater than ₹5,000: ₹500 cash + 500 novio coins.
2. For FD amount less than ₹5,000: ₹250 cash + 500 novio coins.

Note: Reward values are subject to change based on the campaign running during a specific period.

17.5 UPI Registration Requirement

1. Users must register on novio UPI with a valid bank account to receive cash rewards.
2. UPI registration must be completed within 1 month from the date of card issuance.
3. Failure to complete UPI registration within the specified timeline will result in disqualification from the program.

17.6 Reward Disbursement

1. Rewards will be credited in the subsequent month following successful referral and UPI registration.
2. The payout will be processed as per working business days.

Example:

• Card Issuance Date: 3rd April
• UPI Registration Date: 10th April
• Payout Date: 31st May (subject to business days)

17.7 Mode of Payment

1. Cash rewards will be credited to the user's linked bank account via novio UPI.
2. Users must ensure that their bank account is correctly linked to receive payouts.

17.8 Coins and Expiry

1. novio coins awarded under this program are redeemable within the novio app.
2. The validity/expiry of coins may vary depending on the campaign.

17.9 Ineligibility Conditions

Users shall not be eligible for rewards under the following conditions:

1. The Referee is already registered with novio.
2. The referral does not result in successful card issuance.
3. The Referee fails to register for novio UPI within the stipulated time.
4. The referral lead expires.

17.10 Referral Tracking

Users can track the status of their referrals through the Referral History section within the novio app.

17.11 Modification & Termination

novio reserves the right to modify, alter, amend, or withdraw the Refer & Earn Program or any of its terms at any time without prior notice.

17.12 General Conditions

1. Participation in the program constitutes acceptance of these Terms & Conditions.
2. Rewards are subject to verification and compliance with program rules.
3. Any misuse, fraud, or suspicious activity may result in disqualification.

18. 1000 novio Coins – Joining Bonus Terms & Conditions

18.1 Eligibility

• The 1000 novio Coins joining bonus is available exclusively to new users registering on the novio app.
• Each user is eligible for the reward only once, upon first successful registration.

18.2 Reward Credit

• 1000 novio Coins will be automatically credited to the registered novio account after successful registration. The coins may take up to 24 hours to appear in the user's rewards balance in case of network or processing delays.

18.3 Usage of Coins

• novio Coins can be used only within the novio app to redeem offers, benefits, or partner rewards available under the Rewards section.
• Coins cannot be exchanged for cash or monetary value. Redemption options may vary from time to time at novio's discretion.

18.4 Validity

• The 1000 novio Coins are valid for a limited period from the date of credit (3 months).
• Expired coins will be automatically forfeited and cannot be reinstated.

18.5 Non-Transferability

• novio Coins are non-transferable and cannot be gifted, sold, or assigned to another user or account.

18.6 Misuse or Fraud

• novio reserves the right to withhold or revoke the welcome reward if any fraudulent activity, misuse, or violation of app terms is detected.
• Accounts found in breach may face suspension or permanent deactivation.

18.7 Modification or Withdrawal

• novio reserves the right to change, modify, or withdraw this offer or its terms at any time without prior notice.
• Any such changes will be updated in the app or on the official website.

18.8 Dispute Resolution

• In case of any dispute, novio's decision will be final and binding.
• Users can reach out to novio Support via the Help section or customer support for any queries or clarifications.

19. Secured Credit Card – Terms & Conditions

• Guaranteed approval, subject to the bank’s internal KYC policies.
• Please read the bank’s important documents—MITC, KFS, and the Credit Card Agreement—carefully before applying for the credit card.

Offer Terms and Conditions for SBM novio Credit Card

Welcome Offer (Applicable from 1 July 2024)

1. Eligibility

To qualify for the Welcome Offer, customers must meet the following criteria within the first 30 days of card issuance:

• Activate the Card from SBM novio Credit Card app.
• Complete at least one transaction using the SBM novio Credit Card.
• Spend a total amount of INR 1000 on the SBM novio Credit Card.

2. Welcome Offers

If the customer meets the eligibility criteria, they will receive a WhatsApp/SMS asking for consent to redeem the vouchers. Customer has to share the consent within 7 days of the receipt of the message. Membership IDs will be shared within 15 days of the receipt of customer's consent. In case consent is not received within 7 days, welcome package will not be shared. Welcome package consists of a mix of gift cards and discount vouchers. The specific brands mentioned in the welcome offer communication are indicative. Credilio reserves the right to offer an equivalent offer in case of any fulfilment issues outside Credilio's control.

3. Terms of the Offers

• The welcome offers are non-transferable and cannot be exchanged for cash.
• Consent messages and Membership IDs required to claim the welcome offers will be sent to customers via WhatsApp through Credilio's official business account or SBM novio's account.
• If delivery via WhatsApp fails, Credilio will attempt to resend the message up to two additional times, followed by an attempt through SMS.
• Credilio is not responsible for the delivery of codes if these attempts are unsuccessful due to factors beyond its control.
• Membership IDs will be blocked if the customer becomes delinquent or closes the card.

4. Terms Specific to eVouchers

• The eVouchers are subject to the terms and conditions of the respective brands issuing them.
• The validity of the eVouchers will be available on the redemption portal.

5. Communication of Offers

Credilio will strive to ensure that the welcome offers communicated to customers are accurate and consistent with the promotions advertised. These offers may also be visible in advertisements or other promotional materials.

6. Modification and Termination

Credilio reserves the right to modify, alter, change, or cancel any or all of these terms and conditions at any time without prior notice. This includes replacing this offer with another offer, whether similar or not, or withdrawing it entirely. Changes may be made as needed without prior communication.

7. General Terms

• Cardholders are not bound in any way to participate in the offer. Any such participation is voluntary and is being made available purely on a 'best effort basis'.
• The offer shall be fulfilled within 45 days of meeting the eligibility criteria of the SBM novio Credit Card.
• The mode of fulfilment will be WhatsApp/SMS, and the cardholder shall be communicated at their Registered Mobile Number.
• It will be the cardholder's responsibility to ensure that the latest and valid mobile number is updated in the records of Credilio to enable the fulfilment of the offer.

8. Customer Contact Details

For any grievances or escalations, customers can contact Credilio's customer care number at +918655900119 or email us at care@novio.in. Grievances related to offer redemption should be reported within 15 days of offer fulfilment.

Cashback Wali Diwali Offer

Applicable from 19th October to 10th November 2024

1. Cashback Eligibility

If your WhatsApp message says you're eligible for ₹2,000 cashback, you need to spend at least ₹50,000 to qualify. Spending less than that means you won't be eligible for any cashback related to this offer.

2. Eligibility for Offer

To qualify for the Cashback Wali Diwali offer, customers must complete the conditions by 10th November, 2024. This offer is valid only for customers who receive the WhatsApp offer message and it is non-transferable.

3. Communication of Offers

Credilio will strive to ensure that the offers communicated to customers are accurate and consistent with the promotions advertised.

4. Mode of Communication

Customers will receive WhatsApp messages + push notifications regarding weekly offers. Customers are requested to turn on notifications to not miss out on any communication.

5. Modifications and Changes

Credilio reserves the right to modify, alter, change, or cancel any or all of these terms and conditions at any time without prior notice. This includes replacing this offer with another offer, whether similar or not, or withdrawing it entirely. Changes may be made as needed without prior communication.

6. Support and Limitations

While Credilio will provide full support to customers for any queries regarding the credit of the cashback, it does not guarantee resolution of issues that may arise from technical problems or other unforeseen circumstances.

7. Delivery of Cashback

1. Cashback will be calculated based on eligible spends done from 19th October to 10th November, 2024 only. Any spend made before or after these days will not be considered within this offer.
2. Cashback will be credited within 90 days after transactions are validated and post full bill payment.
3. Cashback confirmation will be sent via WhatsApp through SBM Credilio's official business account.
4. If delivery via WhatsApp fails, Credilio will attempt to resend the message up to two additional times, followed by an attempt through SMS.
5. Credilio is not responsible for the delivery if these attempts are unsuccessful due to factors beyond its control.

The Cashback Express Offer

Applicable from 7th December to 31st December, 2024

1. Cashback Eligibility

If your WhatsApp message says you're eligible for ₹2,500 cashback, you need to spend at least ₹50,000 to qualify. Spending less than that means you won't be eligible for any cashback related to this offer. To qualify for The Cashback Express offer, customers must complete the conditions by 31st December, 2024. This offer is valid only for customers who receive the WhatsApp offer message and it is non-transferable.

2. Communication of Offers

Credilio will strive to ensure that the offers communicated to customers are accurate and consistent with the promotions advertised.

3. Mode of Communication

Customers will receive WhatsApp messages + push notifications regarding weekly offers. Customers are requested to turn on notifications to not miss out on any communication.

4. Modifications and Changes

Credilio reserves the right to modify, alter, change, or cancel any or all of these terms and conditions at any time without prior notice. This includes replacing this offer with another offer, whether similar or not, or withdrawing it entirely. Changes may be made as needed without prior communication.

5. Support and Limitations

While Credilio will provide full support to customers for any queries regarding the redemption of the vouchers, it does not guarantee resolution of issues that may arise from technical problems or other unforeseen circumstances.

6. Delivery of Cashback

1. Cashback will be calculated based on eligible spends done from 7th December to 31st December, 2024 only. Any spend made before or after these days will not be considered within this offer.
2. Cashback will be credited within 90 days after transactions are validated and post full bill payment.
3. Cashback confirmation will be sent via WhatsApp through SBM Credilio's official business account.
4. If delivery via WhatsApp fails, Credilio will attempt to resend the message up to two additional times, followed by an attempt through SMS.
5. Credilio is not responsible for the delivery if these attempts are unsuccessful due to factors beyond its control.

Jan Jackpot Offer

Applicable from 7th January to 31st January, 2025

1. Cashback Eligibility

If your WhatsApp message says you're eligible for ₹2,500 cashback, you need to spend at least ₹50,000 to qualify. Spending less than that means you won't be eligible for any cashback related to this offer. To qualify for The Jan Jackpot offer, customers must complete the conditions by 31st January, 2025. This offer is valid only for customers who receive the WhatsApp offer message and it is non-transferable.

2. Communication of Offers

Credilio will strive to ensure that the offers communicated to customers are accurate and consistent with the promotions advertised.

3. Mode of Communication

Customers will receive WhatsApp messages + push notifications regarding weekly offers. Customers are requested to turn on notifications to not miss out on any communication.

4. Modifications and Changes

Credilio reserves the right to modify, alter, change, or cancel any or all of these terms and conditions at any time without prior notice. This includes replacing this offer with another offer, whether similar or not, or withdrawing it entirely. Changes may be made as needed without prior communication.

5. Support and Limitations

While Credilio will provide full support to customers for any queries regarding the redemption of the vouchers, it does not guarantee resolution of issues that may arise from technical problems or other unforeseen circumstances.

6. Delivery of Cashback

1. Cashback will be calculated based on eligible spends done from 7th January to 31st January, 2025 only. Any spend made before or after these days will not be considered within this offer.
2. Cashback will be credited within 90 days after transactions are validated and post full bill payment. Vouchers will be sent 10 days after transactions are validated.
3. Cashback confirmation will be sent via WhatsApp through SBM Credilio's official business account.
4. If delivery via WhatsApp fails, Credilio will attempt to resend the message up to two additional times, followed by an attempt through SMS.
5. Credilio is not responsible for the delivery if these attempts are unsuccessful due to factors beyond its control.

Other Promotional Offers

1. Eligibility for Offer

These offers are only valid for customers who receive a customised WhatsApp offer message and offer is non-transferable. Customers are eligible for redemption of offer only after full bill payment. Customers are eligible for the ₹250 Amazon voucher only if they have received the offer message on their registered WhatsApp number & have paid their credit card bill in full by 15th March 2025. If eligible, voucher code will be shared by 25th Mar '25, post payment validation, via WhatsApp/SMS.

2. Communication of Offers

Credilio will strive to ensure that the offers communicated to customers are accurate and consistent with the promotions advertised.

3. Mode of Communication

Customers will receive WhatsApp messages + push notifications regarding weekly offers. Customers are requested to turn on notifications to not miss out on any communication.

4. Modifications and Changes

Credilio reserves the right to modify, alter, change, or cancel any or all of these terms and conditions at any time without prior notice. This includes replacing this offer with another offer, whether similar or not, or withdrawing it entirely. Changes may be made as needed without prior communication.

5. Delivery of Rewards

1. Rewards will be calculated based on eligible spends done in the defined period only. Any spend made before or after these days will not be considered within this offer.
2. Rewards will be credited within 90 days after transactions are validated and post full bill payment.
3. Rewards confirmation will be sent via WhatsApp through SBM Credilio's official business account.
4. If delivery via WhatsApp fails, Credilio will attempt to resend the message up to two additional times, followed by an attempt through SMS.
5. Credilio is not responsible for the delivery if these attempts are unsuccessful due to factors beyond its control.

Love, Ishq aur Rewards Offer

Applicable from 5th February to 28th February, 2025

1. Cashback Eligibility

If your WhatsApp message says you're eligible for ₹2,500 cashback/vouchers, you need to spend at least ₹50,000 to qualify. Spending less than that means you won't be eligible for any cashback related to this offer. To qualify for this offer, customers must complete the conditions by 28th February, 2025. This offer is valid only for customers who receive the WhatsApp offer message and it is non-transferable.

2. Communication of Offers

Credilio will strive to ensure that the offers communicated to customers are accurate and consistent with the promotions advertised.

3. Mode of Communication

Customers will receive WhatsApp messages + push notifications regarding weekly offers. Customers are requested to turn on notifications to not miss out on any communication.

4. Modifications and Changes

Credilio reserves the right to modify, alter, change, or cancel any or all of these terms and conditions at any time without prior notice. This includes replacing this offer with another offer, whether similar or not, or withdrawing it entirely. Changes may be made as needed without prior communication.

5. Support and Limitations

While Credilio will provide full support to customers for any queries regarding the redemption of the vouchers, it does not guarantee resolution of issues that may arise from technical problems or other unforeseen circumstances.

6. Delivery of Rewards

1. Rewards will be calculated based on eligible spends done from 5th February to 28th February, 2025 only. Any spend made before or after these days will not be considered within this offer.
2. Cashback will be credited within 90 days after transactions are validated and post full bill payment.
3. Rewards confirmation will be sent via WhatsApp through SBM Credilio's official business account.
4. If delivery via WhatsApp fails, Credilio will attempt to resend the message up to two additional times, followed by an attempt through SMS.
5. Credilio is not responsible for the delivery if these attempts are unsuccessful due to factors beyond its control.

• March Mela:
  • Active upto 10x
  • Active upto 5x
  • Inactive
• April Rewards Yatra:
  • Active
  • Inactive
• Swipe May-nia:
  • Active upto 10x
  • Active upto 5x
  • Inactive

Modification of Terms

novio reserves the right to modify, alter, change, or cancel any or all of these terms and conditions at any time without prior notice. This includes replacing this offer with another offer, whether similar or not, or withdrawing it entirely. Changes may be made as needed without prior communication.