India's simplest credit card — backed by your Fixed Deposit. No salary slip. No credit score required. 100% online in minutes.
Takes less than 5 minutes · No hidden charges
100% approval against your FD — no rejection risk
Zero annual fee. Zero joining fee. Forever.
Start with just ₹2,000 as your Fixed Deposit
Boost your credit score every month automatically
Every month discount on shopping
Movies, events & experiences
Food delivery every month
Groceries & daily essentials
Download Novio app or apply directly via the link below
Start from just ₹2,000 — earn FD interest simultaneously
Guaranteed approval. Card delivered to your door.
Enjoy monthly offers + watch your CIBIL score grow
Join thousands of Indians who have already secured their Novio Credit Card — lifetime free, guaranteed approval.
💳 Apply Now — Free Forever*T&C Apply. Visit www.novio.in for details
The Novio RuPay Select Credit Card is India's most accessible lifetime free credit card issued against a Fixed Deposit starting at just ₹2,000. Whether you have no CIBIL score, a low credit score, or are applying for your first credit card in India, Novio offers guaranteed approval with zero rejection risk.
Issued in partnership with DCB Bank and SBM Bank on the RuPay SELECT network, this secured credit card is ideal for students, homemakers, self-employed individuals, and anyone looking to build or improve their CIBIL score. There is no annual fee and no joining fee — ever.
With exclusive monthly cashback and discounts on Amazon, Swiggy, BookMyShow, and Zepto, cardholders can save over ₹6,600 per year. Apply online in under 5 minutes via the Novio app and start your journey toward a stronger financial future today.
You can open an FD with as little as ₹2,000. Your credit limit will be set as a percentage of your FD amount, making it India's most accessible secured credit card.
Yes! The Novio RuPay Credit Card has zero annual fee and zero joining fee for life. There are no hidden charges — it is truly free forever.
Absolutely. Because Novio is a secured credit card against an FD, approval is 100% guaranteed. No CIBIL score, no income proof, and no salary slip is required.
Every time you use your Novio Credit Card and repay the bill on time, it is reported to credit bureaus. This builds a positive credit history and steadily raises your CIBIL score, making you eligible for bigger loans and premium cards in the future.
Novio partners with DCB Bank and SBM Bank to issue RuPay SELECT credit cards, ensuring your money is safe and regulated by the Reserve Bank of India (RBI).
Monthly savings: Amazon ₹100 + Swiggy ₹100 + Zepto ₹100 + BookMyShow ₹250 = ₹550/month × 12 = ₹6,600/year. These are exclusive offers for Novio cardholders.
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