novio: UPI Credit Card for All

Credilio Financial Technologies Private Limited

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 novio’s mission.

On novio app, we guarantee a RuPay Credit Card for everyone.

No complicated rules. No rejections.

Just start a Fixed Deposit from ₹2,000 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:
🔸First-time credit card users
🔸Students & early earners
🔸Freelancers & gig workers
🔸Those with no income proof
🔸Anyone looking to build 750+ credit score

WHY CHOOSE NOVIO RUPAY CREDIT CARDS?

🔸 GUARANTEED APPROVAL***
No income proof, no credit history, no paperwork. Your small FD unlocks your credit card instantly.

🔸 LIFETIME FREE CARD
No joining fee, no annual fee, no hidden charges.

🔸 LIMITED TIME OFFER
Enjoy ₹250 cashback** from RuPay!
- Link your novio RuPay Credit Card to any UPI
- Make 2 UPI payments of ₹250 each
- Get ₹250 cashback from RuPay
- Offer valid from 7th Jan to 31st Mar 2026

🔸 SAVE ₹11,000+* ON TOP BRANDS
- Buy 1 Get 1 movie ticket FREE* on BookMyShow
- ₹100 off on Amazon*
- ₹100 off on Zepto*
- ₹100 off on Swiggy*
- ₹5,000 worth welcome benefits* on HPCL, Yatra, AJIO, Trends Footwear & more

🔸 EARN REWARDS on UPI. SAVE UP TO 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, Domino’s, Swiggy.

🔸 FD-BACKED & RBI-INSURED
Your FD remains safe and earns up to 7% annual interest. It is also RBI-insured up to ₹5 lakhs.

🔸 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 doesn’t build, and control comes naturally.

HOW IT WORKS?
1. Download the novio App
2. Create an FD starting at just ₹2,000
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
🔸 Indian National
🔸 Age 18+


READY TO UNLOCK REWARDS + BUILD CREDIT?

Join 29 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 ₹2,000 FD.

Download the novio App and get started today! 🚀

*Offers are subject to change
**Please read ₹250 Cashback T&Cs on the novio website. This offer is from RuPay. Neither novio nor SBM Bank, DCB Bank, YES BANK is the issuer, sponsor, or funder of this offer.
*** Guaranteed approval is subject to meeting basic eligibility (age, location, internal policy); credit/income profile will not lead to rejection.