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 and get the most rewarding RuPay Credit Card.
Use it for shopping, groceries, food delivery, link it on any UPI app and earn novio coins 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.
🔸 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, Trends Footwear & more

🔸 EARN NOVIO COINS on UPI. SAVE UPTO 18%
Get 10% novio coins on every UPI spend through novio UPI*. Redeem them for up to 18% discount on 20+ top brands including Amazon Fresh, PVR, Flipkart, Myntra, Jio Mart, 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 lakh.

🔸 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 a Fixed Deposit
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 BENEFITS + BUILD CREDIT?
Join 32 lakh+ customers who trust novio for the most rewarding RuPay Credit Cards.
Your journey to a better credit score and bigger rewards starts here!

Download the novio App and get started today! 🚀
*Offers are subject to change
**Guaranteed approval is subject to meeting basic eligibility (age, location, internal policy); credit/income profile will not lead to rejection.