The SBM Novio Credit Card is a lifetime-free, FD-backed RuPay credit card designed for users who want to build or access credit without paying a joining or annual fee. With a minimum Fixed Deposit (FD) of just ₹2,000, eligible applicants can get a virtual or physical credit card depending on their FD amount.
The card offers rewards on eligible UPI payments, retail purchases, and fuel transactions, along with additional shopping, dining, entertainment, and lifestyle offers. Cardholders can also enjoy benefits such as BookMyShow movie offers, Amazon discounts, Zepto savings, Swiggy discounts, and welcome benefits from partner brands.
If you’re searching for SBM Novio Credit Card benefits, Novio SBM Credit Card charges, Novio Credit Card minimum FD amount, or wondering whether the Novio credit card is safe or not, this complete 2026 guide covers the key details you should know.
Note: Offers, reward caps, merchant eligibility, and promotional benefits can change. Always check the latest terms and conditions before applying.
SBM Novio Credit Card Highlights
| Feature | Details |
|---|---|
| Card Name | SBM Novio Credit Card |
| Card Type | FD-backed RuPay Credit Card |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Minimum FD | ₹2,000 |
| Credit Limit | Up to 90% of FD |
| Virtual Card | Available for FD of ₹2,000 to ₹9,999 |
| Physical Card | Available for FD of ₹10,000 and above |
| Minimum Age | 21 years |
| Maximum Age | 65 years |
| UPI Rewards | Up to 15% novio Coins on eligible spends through novio UPI |
| Fuel Rewards | 10 novio Coins per ₹100 on eligible fuel transactions via UPI |
| UPI & Retail Rewards | 5 novio Coins per ₹100 on eligible UPI payments and retail purchases |
| BookMyShow | Buy 1 Get 1 FREE movie tickets, up to ₹250 off/month |
| Amazon Offer | 5% discount, up to ₹1,000* |
| Zepto Offer | ₹150 total discount through eligible ₹50-off offers |
| Swiggy Offer | ₹100 off on eligible orders of ₹499 or above |
| Welcome Benefits | Benefits worth ₹5,000+ from partner brands |
What Is the SBM Novio Credit Card?
The SBM Novio Credit Card is an FD-backed credit card that allows eligible customers to start with a Fixed Deposit of ₹2,000. The credit limit can be up to 90% of the FD amount, and customers may increase their credit limit by topping up the Fixed Deposit.
For an FD between ₹2,000 and ₹9,999, the card is provided virtually. Customers who maintain an FD of ₹10,000 or more can get a physical card.
This makes the card potentially useful for people who want an entry-level credit card backed by an FD and prefer a lifetime-free credit card with zero joining and annual fees.
SBM Novio Credit Card Benefits
1. Lifetime-Free Credit Card
One of the main attractions of the card is its zero joining fee and zero annual fee. This means eligible users do not have to pay a regular joining or renewal fee for keeping the card active, subject to the applicable terms and conditions.
For users searching for Novio Credit Card annual fee, the annual fee is listed as Nil in the information provided.
2. Start With a ₹2,000 Fixed Deposit
The Novio Credit Card minimum FD amount is ₹2,000.
The card structure is:
- ₹2,000 to ₹9,999 FD: Virtual credit card
- ₹10,000 or more FD: Physical credit card
- Credit limit: Up to 90% of the FD amount
The credit limit can potentially be increased by adding more funds to the Fixed Deposit.
3. Earn novio Coins on Eligible Spending
The SBM Novio Credit Card offers novio Coins on selected transactions.
Cardholders can earn:
- 10 novio Coins per ₹100 on eligible fuel transactions via UPI
- 5 novio Coins per ₹100 on eligible UPI payments
- 5 novio Coins per ₹100 on eligible retail purchases
- Up to 15% novio Coins on eligible UPI spending through novio UPI
Reward earnings are subject to applicable monthly reward caps and terms.
4. Welcome Fuel Benefits
New cardholders can receive welcome fuel benefits worth up to ₹600, according to the promotional information provided.
This can make the card more attractive for users who regularly spend on fuel and want additional benefits during the initial period of card usage.
5. BookMyShow Buy 1 Get 1 Movie Offer
One of the entertainment-focused benefits is the BookMyShow offer.
Eligible cardholders can get:
Buy 1 Get 1 FREE movie tickets, with savings of up to ₹250 per month.
This benefit may be useful for people who frequently book movie tickets through BookMyShow.
Before booking, users should check the applicable offer terms, eligible transactions, participating cinemas, and monthly limits.
6. Amazon Discount
Cardholders can enjoy a 5% discount on Amazon, with savings of up to ₹1,000*, according to the offer details provided.
This could be useful for regular Amazon shoppers, although users should check the applicable minimum transaction value, eligible products, offer period, and terms before making a purchase.
7. Zepto Discount
The card also provides an offer on Zepto:
- ₹50 off on eligible orders above ₹499
- Available up to 3 times per month
- Total potential savings of ₹150
This benefit may appeal to customers who regularly use quick-commerce services for grocery and daily essentials.
8. Swiggy Discount
Cardholders can also get ₹100 off on Swiggy orders of ₹499 or above, subject to the applicable terms and conditions.
This can add extra value for customers who frequently order food online.
9. Redeem novio Coins for Brand Discounts
According to the provided information, cardholders can save up to 20% on selected brands by redeeming novio Coins.
The partner brands mentioned include:
- Amazon
- Flipkart
- Myntra
- PVR
- Domino’s
- And 15+ other brands
The exact redemption value and participating brands may vary, so users should check the latest reward catalogue before redeeming their novio Coins.
10. Welcome Benefits Worth ₹5,000+
The SBM Novio Credit Card also comes with welcome benefits claimed to be worth ₹5,000+.
The mentioned brands and services include:
- HPCL
- AJIO
- Trends Footwear
- Soch
- Watcho
- Pocket FM
- The Man Company
- Yatra
- AbhiBus
- PharmEasy
- WOW Skin Science
These benefits may include vouchers and discounts. Availability and eligibility can depend on the applicable offer terms.
SBM Novio Credit Card Fees & Charges
If you’re searching for Novio SBM Credit Card charges, the key fee information provided is straightforward.
| Fee Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Minimum FD | ₹2,000 |
| Credit Limit | Up to 90% of FD |
The card is promoted as a lifetime-free credit card, meaning there is no joining or annual fee according to the provided information.
However, users should always review the latest official schedule of charges for other applicable fees, such as late payment charges, cash withdrawal charges, forex markup, EMI-related charges, or other transaction-specific costs, if applicable.
SBM Novio Credit Card Eligibility Criteria
The basic eligibility criteria provided for the SBM Novio Credit Card are:
- Applicant’s age should be between 21 and 65 years
- Minimum FD funding required: ₹2,000
- Physical card available for FD of ₹10,000 and above
- Aadhaar-linked mobile number should be used during the application process
Applicants should also complete the required verification process successfully.
Is Novio Credit Card Safe or Not?
Many people search for “Novio credit card is safe or not” before applying.
The SBM Novio Credit Card is presented as an FD-backed RuPay credit card. Since the credit facility is linked to a Fixed Deposit, it can be an option for customers who prefer a secured credit-card structure.
However, applicants should carefully review the official terms before applying. You should understand:
- How the FD is created and maintained
- How the credit limit is calculated
- What happens if you miss payments
- The applicable interest rates and other charges
- Reward redemption conditions
- Offer eligibility and expiry dates
- Conditions for closing the card and releasing the FD
In short: The card can be considered if you are comfortable with an FD-backed credit card and the benefits match your spending habits. However, users should independently verify the latest terms and official disclosures before applying.
Is SBM Novio Credit Card Good?
The SBM Novio Credit Card may be a good option for users looking for a lifetime-free, FD-backed RuPay credit card with a low starting FD requirement.
Its key advantages include:
- ₹2,000 minimum FD
- Up to 90% credit limit against FD
- Zero joining fee
- Zero annual fee
- UPI and retail rewards
- Fuel rewards
- BookMyShow offer
- Amazon discount
- Zepto and Swiggy offers
- Welcome benefits
- novio Coins redemption options
However, the card may not be suitable for everyone. Users should consider reward caps, FD requirements, offer conditions, and other applicable charges before applying.
SBM Novio Credit Card Pros and Cons
| Pros | Cons |
|---|---|
| Lifetime-free card with Nil joining fee | Requires a Fixed Deposit to get the card |
| Nil annual fee | Physical card requires FD of ₹10,000 or more |
| Low minimum FD requirement of ₹2,000 | Reward earnings are subject to monthly caps |
| Credit limit of up to 90% of FD | Some benefits are available only on eligible transactions |
| Earn novio Coins on eligible UPI and retail spending | Offers may have minimum spending requirements |
| Fuel rewards through eligible UPI transactions | BookMyShow benefit has a monthly saving limit |
| Up to 15% novio Coins on eligible novio UPI spends | Amazon, Zepto and Swiggy offers are subject to conditions |
| BookMyShow Buy 1 Get 1 movie offer | Benefits and partner offers can change |
| Amazon discount benefit | FD funds remain tied to the secured-card arrangement |
| Zepto and Swiggy offers | Users should check all applicable charges before applying |
| Welcome benefits worth ₹5,000+ | Reward value depends on how and where you spend |
| novio Coins can be redeemed for brand discounts | Not necessarily the best choice for users seeking premium travel benefits |
How to Apply for SBM Novio Credit Card?
If you want to apply for the SBM Novio Credit Card, you generally need to complete the application process and provide the required information.
Keep the following points in mind:
- Check your eligibility.
- Keep your Aadhaar-linked mobile number available.
- Select the required FD amount.
- Complete the application process.
- Complete VKYC as required.
- Maintain the required Fixed Deposit.
- Activate your card after receiving it.
- Complete the minimum required transaction within the specified period.
According to the provided terms, a minimum transaction of ₹100 is required within 30 days to activate the card.
Important Things to Know Before Applying
Before applying for the SBM Novio Credit Card, keep these conditions in mind:
- Application tracking may take up to 72 hours after Application ID generation.
- Confirmation may be completed within 75 days of card activation for the mentioned promotional benefit.
- The promotional profit is applicable to SBM Novio App applications.
- Referral earnings are not eligible for the mentioned profit.
- The promotional profit is not applicable to existing holders of any SBM FD-backed credit card.
- The initially tracked profit may be lower and can be corrected during validation based on FD funding.
- A minimum ₹100 transaction is required within 30 days to activate the card.
- Applicants should use their Aadhaar-linked mobile number.
- VKYC completed more than 50 km from the Aadhaar/communication address may result in application rejection and loss of the promotional profit.
Frequently Asked Questions (FAQs)
What are the benefits of a SBM credit card?
The SBM Novio Credit Card offers benefits such as zero joining and annual fees, rewards on eligible UPI and retail spending, fuel rewards, BookMyShow movie offers, Amazon discounts, Zepto and Swiggy offers, and welcome benefits from selected partner brands.
Is SBM Novio Credit Card good?
The SBM Novio Credit Card can be a good option for customers looking for a lifetime-free FD-backed credit card with a low minimum FD requirement. It may be particularly useful for users who spend regularly on UPI, fuel, retail purchases, entertainment, and online shopping.
However, whether it is the right card depends on your spending habits and the value you receive from its reward and discount offers.
What is the welcome benefit of Novio Card?
The card offers welcome benefits worth ₹5,000+, according to the information provided. The benefits include vouchers and discounts from brands such as HPCL, AJIO, Trends Footwear, Soch, Watcho, Pocket FM, The Man Company, Yatra, AbhiBus, PharmEasy, and WOW Skin Science.
Additionally, welcome fuel benefits worth up to ₹600 are mentioned.
What is the credit limit of SBM Novio Credit Card?
The credit limit can be up to 90% of the Fixed Deposit amount. For example, if the eligible credit limit is calculated at 90% of an FD, a ₹10,000 FD could provide a credit limit of up to ₹9,000, subject to the issuer’s applicable rules.
The credit limit may be increased by topping up the Fixed Deposit.
What is the minimum FD amount for the Novio Credit Card?
The minimum FD amount is ₹2,000. An FD between ₹2,000 and ₹9,999 is associated with a virtual card, while an FD of ₹10,000 or more is required for a physical card, according to the provided information.
Does the SBM Novio Credit Card have an annual fee?
No. The card is promoted as a lifetime-free credit card with a Nil annual fee.
Does the SBM Novio Credit Card have a joining fee?
No. The joining fee is listed as Nil.
What is the SBM Novio BookMyShow offer?
Eligible cardholders can get a Buy 1 Get 1 FREE movie ticket offer on BookMyShow, with savings of up to ₹250 per month, subject to the applicable terms.
Is the Novio Credit Card RBI approved?
SBM Bank India operates as a regulated banking institution in India. However, users should distinguish between the bank’s regulatory status and whether a specific credit-card product is described as “RBI approved.” Before applying, it is best to verify the latest product details and regulatory disclosures from the official issuer.