SBM novio Credit Card

Key benefits

• Lifetime free — no joining or annual fee
• Backed by an FD from ₹2,000 up to ₹5 lakh — the deposit stays yours and earns up to 7% interest
• Credit limit of 90% of your FD amount
• No income proof or credit history needed — assured approval against the FD
• RuPay card — link it to any UPI app and pay by scan
• Your fixed deposit is RBI-insured
• Regular on-time use helps build your credit score

How to apply

1. Tap Apply Now — you'll be redirected to the novio application page
2. Sign up with your mobile number and finish the PAN + Aadhaar KYC
3. Open your fixed deposit (minimum ₹2,000) — it stays in your name and keeps earning interest
4. Activate the card in the novio app and link it to UPI