novio: UPI Credit Card for All
500K+
Downloads
Everyone
info
About this app
RuPay Credit Cards for Every UPI User
From daily chai to groceries to movie tickets, now everyone uses UPI.
While 45 crore+ people use UPI, less than 5 crore have a credit card.
Servicing this gap is novioās mission.
On novio app, we guarantee a RuPay credit card for everyone.
No complicated rules. No rejections.
Just start a Fixed Deposit from ā¹2,000 and get the most rewarding RuPay Credit Card.
Use it for shopping, groceries, food delivery, link it on any UPI app and earn rewards on UPI payments. Plus, enjoy 45 days of interest-free credit.
Bas Fixed Deposit banao, RuPay Credit Card le jaao!
WHO IS NOVIO MADE FOR?
novio is crafted for everyone:
šøFirst-time credit card users
šøStudents & early earners
šøFreelancers & gig workers
šøThose with no income proof
šøAnyone looking to build 750+ credit score
WHY CHOOSE NOVIO UPI CREDIT CARDS?
šø GUARANTEED APPROVAL*
No income proof, no credit history, no paperwork. Your small FD unlocks your credit card instantly.
šø LIFETIME FREE CARD
No joining fee, no annual fee, no hidden charges.
SAVE ā¹11,000+ ON TOP BRANDS
- Buy 1 Get 1 movie ticket FREE* on BookMyShow
- ā¹100 off on Amazon*
- ā¹100 off on Zepto*
- ā¹100 off on Swiggy*
- ā¹5,000 worth welcome benefits on HPCL, Yatra, Trends Footwear & more
šø EARN REWARDS on UPI. SAVE UPTO 12%
Every transaction* rewards you. Get up to 10% rewards on UPI spends. Redeem novio coins for up to 12% off on 20+ favourite brands including Amazon, Flipkart, Myntra, Dominoās, Swiggy.
šø FD-BACKED & RBI-INSURED
Your FD remains safe and earns up to 7% annual interest. It is also RBI-insured up to ā¹5 lakhs.
šø A SAFER WAY TO USE CREDIT
Traditional credit cards make it easy to spend first and worry later.
With an FD-backed Credit Card, your limit comes from a Fixed Deposit in your own name.
Your money stays safe, earns interest, and sets a clear boundary on how much you can spend.
Because when your credit has a real limit, overspending stops, debt doesnāt build, and control comes naturally.
HOW IT WORKS?
1. Download the novio App
2. Create an FD starting at just ā¹2,000
3. Complete your quick video KYC
4. Get your virtual RuPay credit card within 4 hours*
5. Spend anywhere, earn rewards, and build your credit score
ELIGIBILITY
šø Indian National
šø Age 18+
READY TO UNLOCK REWARDS + BUILD CREDIT?
Join 5 lakh+ customers who trust novio for the most rewarding RuPay Credit Cards.
Your journey to a better credit score and bigger rewards starts with a tiny ā¹2,000 FD.
Download the novio App and get started today! š
*Offers are subject to change
From daily chai to groceries to movie tickets, now everyone uses UPI.
While 45 crore+ people use UPI, less than 5 crore have a credit card.
Servicing this gap is novioās mission.
On novio app, we guarantee a RuPay credit card for everyone.
No complicated rules. No rejections.
Just start a Fixed Deposit from ā¹2,000 and get the most rewarding RuPay Credit Card.
Use it for shopping, groceries, food delivery, link it on any UPI app and earn rewards on UPI payments. Plus, enjoy 45 days of interest-free credit.
Bas Fixed Deposit banao, RuPay Credit Card le jaao!
WHO IS NOVIO MADE FOR?
novio is crafted for everyone:
šøFirst-time credit card users
šøStudents & early earners
šøFreelancers & gig workers
šøThose with no income proof
šøAnyone looking to build 750+ credit score
WHY CHOOSE NOVIO UPI CREDIT CARDS?
šø GUARANTEED APPROVAL*
No income proof, no credit history, no paperwork. Your small FD unlocks your credit card instantly.
šø LIFETIME FREE CARD
No joining fee, no annual fee, no hidden charges.
SAVE ā¹11,000+ ON TOP BRANDS
- Buy 1 Get 1 movie ticket FREE* on BookMyShow
- ā¹100 off on Amazon*
- ā¹100 off on Zepto*
- ā¹100 off on Swiggy*
- ā¹5,000 worth welcome benefits on HPCL, Yatra, Trends Footwear & more
šø EARN REWARDS on UPI. SAVE UPTO 12%
Every transaction* rewards you. Get up to 10% rewards on UPI spends. Redeem novio coins for up to 12% off on 20+ favourite brands including Amazon, Flipkart, Myntra, Dominoās, Swiggy.
šø FD-BACKED & RBI-INSURED
Your FD remains safe and earns up to 7% annual interest. It is also RBI-insured up to ā¹5 lakhs.
šø A SAFER WAY TO USE CREDIT
Traditional credit cards make it easy to spend first and worry later.
With an FD-backed Credit Card, your limit comes from a Fixed Deposit in your own name.
Your money stays safe, earns interest, and sets a clear boundary on how much you can spend.
Because when your credit has a real limit, overspending stops, debt doesnāt build, and control comes naturally.
HOW IT WORKS?
1. Download the novio App
2. Create an FD starting at just ā¹2,000
3. Complete your quick video KYC
4. Get your virtual RuPay credit card within 4 hours*
5. Spend anywhere, earn rewards, and build your credit score
ELIGIBILITY
šø Indian National
šø Age 18+
READY TO UNLOCK REWARDS + BUILD CREDIT?
Join 5 lakh+ customers who trust novio for the most rewarding RuPay Credit Cards.
Your journey to a better credit score and bigger rewards starts with a tiny ā¹2,000 FD.
Download the novio App and get started today! š
*Offers are subject to change
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Photos and videos, and Device or other IDs
Data is encrypted in transit
You can request that data be deleted
App support
About the developer
CREDILIO FINANCIAL TECHNOLOGIES PRIVATE LIMITED
ping@credilio.in
Office Unit No 601- 602, 6th Floor, Sumer Plaza ,
P Co Society Limited, Marol Maroshi Road, J.B. Nagar,
Mumbai, Maharashtra 400059
India
+91 79000 33833
