🎉 novio raises ₹100 crore
Led by Cornerstone Ventures

Read Story
confetti
novio icon
SBM novio Credit Card
divider

10%

novio Coins

UPI. Online. Offline

₹23,000

Instant Discounts on

& many more

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

Banner 1
divider

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

bms banner

Buy 1 Get 1 (50% OFF)

Save ₹3,000/Yr*

amazon banner

5% OFF

Save ₹12,000/Yr*

zepto banner

10% OFF

Save ₹1,800/Yr*

swiggy banner

20% OFF

Save ₹1,200/Yr*

hpIcon
AJIO
watcho
yatra
abhibus
Zoomin

Welcome Benefits

Worth ₹5,000*

divider

Earn Rewards on Every novio Card Spend

10%novio coinson fuel purchase

5%novio coinson UPI

5%novio coinsat store spends

divider

Use novio Coins to Save up to 18%

18% Off
18% Off
5% Off
5% Off
5% Off
5% Off
5% Off
5% Off
18% Off
18% Off
5% Off
5% Off
5% Off
5% Off
5% Off
5% Off
18% Off
18% Off
5% Off
5% Off
5% Off
5% Off
5% Off
5% Off
18% Off
18% Off
5% Off
5% Off
5% Off
5% Off
5% Off
5% Off
18% Off
18% Off
5% Off
5% Off
5% Off
5% Off
5% Off
5% Off
18% Off
18% Off
5% Off
5% Off
5% Off
5% Off
5% Off
5% Off
12% Off
12% Off
8% Off
8% Off
12% Off
12% Off
12% Off
12% Off
12% Off
12% Off
8% Off
8% Off
12% Off
12% Off
12% Off
12% Off
12% Off
12% Off
8% Off
8% Off
12% Off
12% Off
12% Off
12% Off
12% Off
12% Off
8% Off
8% Off
12% Off
12% Off
12% Off
12% Off
12% Off
12% Off
8% Off
8% Off
12% Off
12% Off
12% Off
12% Off
12% Off
12% Off
8% Off
8% Off
12% Off
12% Off
12% Off
12% Off
divider

3-in-1 Benefits -- FD, Credit Card & Savings

#3in1Benefits
FD bhi. Credit Card bhi. Savings bhi.

icon

Flexible FD

₹2,000 to ₹5 lakh, Insured up to ₹5 lakh by RBI

icon

Up to 7% interest

On your FD. Grow savings securely

icon

Instant Card

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

icon

Flexible Credit Limit

90% of FD, top up anytime

divider

Easily Improve Your Credit Score to 750+

icon

Get SBM novio Credit Card by Making an FD

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

icon

Add on UPI and Use for Regular Spends

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

icon

Pay Your Credit Card Bills on Time

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

icon

Track Your Credit Score

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

divider

Exclusive RuPay Benefits

maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
maxfashionlifestyleMakeMyTripEs sure eat
boatyatrafassesDell
boatyatrafassesDell
boatyatrafassesDell
boatyatrafassesDell
boatyatrafassesDell
boatyatrafassesDell
boatyatrafassesDell
boatyatrafassesDell
boatyatrafassesDell
boatyatrafassesDell
View offers
divider

Real People, Real Stories

customer image

Sneha, HR Professional

star icon

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!

customer image

Kunal, Freelancer

star icon

4.5

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

customer image

Rahul, Student

star icon

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.

divider

Proven Credit Results

Banner 1

33,60,000+

Indians trust novio for credit

MITCKey Fact Statement
novio icon

Powered by Credilio

Catch Us On

fb iconinsta iconyt icon

Download the novio mobile app

gplay store iconapp store icon

Products

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

More

About UsContact UsCareersNewsroom

Important Links

Promotional Offers T&CAccount DeletionTerms & ConditionsGrievance RedressalPrivacy Policy

Help

novio

care@novio.inHelpline: 8655900119

SBM Bank

customercare@sbmbank.co.in

Helpline: 1800 1033 817

Banking & Payment Partners

sbm icondcb iconyes bank iconnpci iconrupay iconvisa icon

PCI DSS

Compliant

ISO 27001

Certified

Powered by

credilio text

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.