CardIntel Canonical Product Family
novio Credit Cards
Secured FD-backed credit cards with UPI rewards and zero annual fees.
novio is a credit platform powered by Credilio offering FD-backed secured credit cards with zero annual fees, high FD interest, and novio Coins on UPI and merchant spending.
CardIntel Canonical Architecture Note: novio (Credilio Financial Technologies) is the co-brand platform partner, not a direct banking entity. All cards are legally issued and serviced by partner banks including SBM Bank (India) Limited. Underwriting, credit limits, fixed deposit custody, and MITC are governed strictly by the legal issuing bank.
1 Regulated Issuing-Bank Variant
SBM novio Credit Card – RuPay Variant
FD-backed secured RuPay credit card issued by SBM Bank (India) Limited in partnership with novio (Credilio), featuring instant virtual issuance from ₹2,500 FD, physical card from ₹10,000 FD, credit limit at 90% of FD, zero annual fees, and novio Coins on UPI spends.
Annual Fee
₹0 (LTF)
Forex Markup
0.02%
Network
RuPay
Rewards
Reward Points