🎉 novio raises ₹100 crore
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Most rewarding cards
11000+ savings on daily spends
Welcome offer worth 5000

Best-selling Fixed Deposit Credit Card in India

Earn rewards on your everyday UPI payments with a guaranteed* RuPay Credit Card. No credit score required. No income proof needed. Start with a small Fixed Deposit of ₹2,000 and get an instant virtual credit card offering benefits on every swipe.

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Save ₹23,000 on your favourite brands
with novio Credit Cards

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Buy 1 Get 1 (50% OFF)

Save ₹3,000/Yr*

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5% OFF

Save ₹12,000/Yr*

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10% OFF

Save ₹1,800/Yr*

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20% OFF

Save ₹1,200/Yr*

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Welcome Benefits

Worth ₹5,000*

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Use novio Coins to Save up to 18%

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Instant Rewards with novio UPI

5% novio coins on every UPI payment

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Want to Improve Your Credit Score to 750+?

Get expert guidance to improve it and qualify for bigger loans at lower EMIs

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Choose from the Best RuPay Credit Cards

Select your novio Credit Card
SBM novio Select
DCB novio Go
DCB novio Prime
YES BANK ACE
Most Rewarding First Credit Card
FD starting at just ₹2,000
SBM novio Select front
SBM novio Select back

Issued By

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Real People, Real Stories

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Neha, Student

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4.0

I have been using the novio FD Credit Card for food, travel, and mainly online spends. It helps me save so much on daily expenses & I also get amazing offers!

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Nora, Marketing Manager

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4.5

Got the novio FD Credit Card to build my credit score, and it’s actually working. Plus, the offers on everyday brands are unmissable.

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Rajesh, Shop Owner

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4.2

This is my first credit card and it’s very easy to use. FD backing keeps my spends in check while I build credit.

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Proven Credit Results

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33,60,000+

Indians trust novio for credit

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Products

SBM novio Credit CardDCB novio Credit CardYES BANK ACE RuPay Credit CardCredilio Pro AppCredilio Play

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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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