novio: UPI Credit Card for All

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!

Partner Banks:

Indian Overseas Bank | DCB Bank | SBM Bank

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.

🔸 FREE AIRPORT LOUNGE ACCESS

Enjoy free international & domestic airport lounge access* on Fixed Deposit of ₹25,000 & above, on the IOB novio Credit Card & DCB novio Credit Card.

🔸 TRAVEL WITH NOVIO

Now book your flight tickets with novio & get a 10% discount* on your first flight booking and a 5% discount* from your second flight onwards. Plus, earn 25% novio Coins!

🔸 ₹23,000* BENEFITS ON TOP BRANDS

- Buy 1 Get 1 movie ticket FREE* on BookMyShow

- Up to ₹1,000 off on Amazon*

- ₹150 off on Zepto*

- ₹100 off on Swiggy*

- ₹5,000 worth welcome benefits* on HPCL, Yatra, Trends Footwear & more

🔸 EARN 10% COINS WITH NOVIO UPI & CARD

5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards

🔸 SAVE UP TO 20% ON TOP BRANDS

Redeem novio coins for up to 20% discount on 15+ top brands including Amazon, JioMart, PVR, 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 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.

🔸 REFER & EARN

Share novio with your friends and both of you get rewarded when their novio credit card is issued:

• You earn: ₹500 + 500 novio coins worth ₹100 per card issued

• They earn: ₹250 + 250 novio coins worth ₹50

More friends = more rewards. Simple.

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 a day*

5. Spend anywhere, earn rewards, and build your credit score

ELIGIBILITY

🔸 Indian National

🔸 Age 18+

READY TO UNLOCK BENEFITS + BUILD CREDIT?

Join 34 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.