Novio · Credit Card
Novio SBM Rupay Credit card Credit Card
Official product: SBM novio RuPay Credit Card (FD-backed)
- Bonus rewards when you spend with the partner brand
- Works with UPI apps for everyday scan-and-pay spends
Fees, rewards and eligibility shown below are decided solely by Novio and can change without notice — always confirm current terms on the official page before applying.
Fees & Charges
- Joining Fee
- ₹0 / lifetime-free positioning
- Annual / Renewal Fee
- ₹0 / lifetime-free positioning
- Annual Fee Waiver Condition
- Not required — marketed as lifetime free
- Interest Rate / Finance Charge
- Regular card interest as per SBM novio KFS; EMI facility separately 1.5%/month (18% p.a.) when converted to EMI.
- Late Payment Charges
- As per SBM novio KFS/MITC.
- Forex Markup Fee
- Not disclosed by issuer — check official card page
Rewards, Travel & Lifestyle
- Reward / Cashback Rate
- 10% novio coins on fuel; 5% novio coins on UPI; 5% novio coins on store spends under current novio programme.
- Reward / Cashback Cap
- Not disclosed by issuer — check official card page
- Welcome Benefits
- Welcome benefits advertised up to ₹5,000 under current partner offers.
- Domestic Lounge Access
- Not disclosed by issuer — check official card page
- International Lounge Access
- Not disclosed by issuer — check official card page
- Lounge Unlock / Spend Condition
- Not disclosed by issuer — check official card page
- Fuel Surcharge Waiver
- Reward benefit on fuel; surcharge treatment per SBM card KFS.
Eligibility & Documents
- Minimum Income / Eligibility
- No income proof required for FD-backed route; FD starts from ₹2,000/₹2,500 depending current offer/version.
- Age Eligibility
- Not disclosed by issuer — check official card page
- Employment Type
- FD-backed; salaried/self-employed/student/freelancer may apply subject to KYC and issuer rules.
- Documents Required
- KYC/PAN and FD/KYC requirements; no income proof advertised for FD-backed route.
Official Sources & Verification
Last verified: 2026-09-12. Verified from official source(s); undisclosed fields explicitly marked
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Before you apply
Frequently asked questions
What are the joining and annual fees for the Novio SBM Rupay Credit card credit card? ▾
Joining fee: ₹0 / lifetime-free positioning. Annual fee: ₹0 / lifetime-free positioning. Fee waiver: Not required — marketed as lifetime free.
What rewards or cashback does the Novio SBM Rupay Credit card credit card offer? ▾
10% novio coins on fuel; 5% novio coins on UPI; 5% novio coins on store spends under current novio programme.
Who is eligible for the Novio SBM Rupay Credit card credit card? ▾
No income proof required for FD-backed route; FD starts from ₹2,000/₹2,500 depending current offer/version. FD-backed; salaried/self-employed/student/freelancer may apply subject to KYC and issuer rules.