novio Downloads & Revenuenovio: UPI Credit Card for All · App Store & Google Play
novio: UPI Credit Card for All by Credilio Financial Technologies Private Limited is on App Store and Google Play. Active Users (MAU & DAU), Downloads, rankings, keywords, revenue, and rating totals.
novio: UPI Credit Card for All update history & changes
Last change · 6 events since 25 Jun 2024Full timeline ↓📈iOSDropped out of every chart we track🆕iOSFirst spotted by AppInsider📦iOSVersion 2.0.2🆕AndroidFirst spotted by AppInsider📦AndroidVersion 1.9.31🆕iOSReleased on the App Store
Full timeline · 6 events
- 📈novio: UPI Credit Card for All dropped out of every chart we trackiOSLast seen 3 Nov
- 🆕novio: UPI Credit Card for All first spotted by AppInsideriOS#97 in Top Free · Finance · India
- 📦novio: UPI Credit Card for All version 2.0.2iOSMinor bug fixes and improvements
- 🆕novio: UPI Credit Card for All first spotted by AppInsiderAndroidIndia
- 📦novio: UPI Credit Card for All version 1.9.31Android-Minor Improvements and Bug fixes
- 🆕novio: UPI Credit Card for All released on the App StoreiOS
Collected from the stores by AppInsider since we first spotted the app. Dates are when we saw each change.
Rating
4.4 ★
891 ratings, both stores
Measured
Best rank now
#133
Android · 
Finance Free
Finance FreeMeasured
App Store
App details
App ID
6499318900
Publisher
Credilio Financial Technologies Private Limited
Publisher country
India
On the store since
Jun 2024
2 years on the store
Minimum OS
iOS 17.0+
iPhone XS and later
Devices
iPhone · iPad
Universal purchase
Content rating
17+
Languages
1
EN
Size
169 MB
Google Play
App details
App ID
com.novio.customer
Publisher
CREDILIO FINANCIAL TECHNOLOGIES PRIVATE LIMITED
Publisher country
India
Content rating
Everyone
novio: UPI Credit Card for All downloads & installs
Both stores, worldwide. Bands are open; exact numbers are free with an account.
| Store | Downloads / day | Lifetime installs |
|---|---|---|
| App Store | – | – |
| Google Play | – | 1M+ Measured |
| Total | – | 1M+ Confidence |
How this is calculated
App Store: chart positions and rating growth per country, anchored on its own Android downloads; lifetime from ratings worldwide × installs per rating. Google Play: the daily change in its exact install count. The total adds every store.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks now
Both stores, across every country we track.
| Store | Best rank | Charting in | US Top Free | US Top Grossing |
|---|---|---|---|---|
| App Store | – | 0 of 30 countries | – | – |
| Google Play | #133 Finance Free | 1 of 23 countries | – | – |
Full chart lists: App Store · Google Play.
Ratings
Both stores. Store data, measured.
| Store | Rating | Ratings |
|---|---|---|
| App Store | 4.4 ★ | 891 |
| Google Play | 4.6 ★ | – |
| Both stores | 4.4 ★ weighted by ratings | 891 |
About 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.
^Refer MITC for individual bank's details
- 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*
- EARN 10% COINS WITH NOVIO UPI & CARD
5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards
- DISCOUNTS ON TOP BRANDS
Redeem novio coins for big discounts on 10+ top brands
- 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. 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+ cus
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.
^Refer MITC for individual bank's details
- 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*
- EARN 10% COINS WITH NOVIO UPI & CARD
5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards
- DISCOUNTS ON TOP BRANDS
Redeem novio coins for big discounts on 10+ top brands
- 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. 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+ cus
novio: UPI Credit Card for All App Store
Not in any tracked top chart right now.
Updated 8 Nov 2026 · rankings refresh through the day
CategoryFinance
PriceFree
Released
Rating★ 4.4 (891)
Version2.0.2
Age rating17+
First seen by us 4 Nov 2026
4 Nov 2026Rating
4.4 ★
891 ratings
Measured
novio: UPI Credit Card for All on the App Store
App details
App ID
6499318900
Publisher
Credilio Financial Technologies Private Limited
Publisher country
India
On the store since
Jun 2024
2 years on the store
Minimum OS
iOS 17.0+
iPhone XS and later
Devices
iPhone · iPad
Universal purchase
Content rating
17+
Languages
1
EN
Size
169 MB
novio: UPI Credit Card for All downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Apple publishes no download counts. App Store downloads come from chart positions and daily rating growth per country, calibrated on Google Play install counts; lifetime installs from ratings worldwide × installs per rating. Confidence is the chance the real number is within half to double ours.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks now
Every top chart it appears in across 30 countries.
| Country | Charts | Rank |
|---|---|---|
| Not charting right now. | ||
Ratings
App Store, worldwide.
Rating
4.4 ★
891 ratings
Measured
Ratings
891
Measured
About 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.
^Refer MITC for individual bank's details
- 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*
- EARN 10% COINS WITH NOVIO UPI & CARD
5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards
- DISCOUNTS ON TOP BRANDS
Redeem novio coins for big discounts on 10+ top brands
- 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. 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+ cus
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.
^Refer MITC for individual bank's details
- 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*
- EARN 10% COINS WITH NOVIO UPI & CARD
5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards
- DISCOUNTS ON TOP BRANDS
Redeem novio coins for big discounts on 10+ top brands
- 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. 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+ cus
Latest updates
2.0.2
Minor bug fixes and improvements
novio: UPI Credit Card for All Android
novio: UPI Credit Card for All is #133 in Finance Free on Google Play in India and charting in 1 of 23 countries we track.
Updated 8 Nov 2026 · rankings refresh through the day
CategoryFinance
PriceFree
Released–
Installs1M+
Rating★ 4.6 (0)
Updated
Content ratingEveryone
Rating
4.6 ★
0 ratings
Measured
Best rank now
#133
Finance FreeMeasured
novio: UPI Credit Card for All on Google Play
App details
App ID
com.novio.customer
Publisher
CREDILIO FINANCIAL TECHNOLOGIES PRIVATE LIMITED
Publisher country
India
Content rating
Everyone
novio: UPI Credit Card for All downloads
Worldwide, per day, and installs to date. The band is open; the exact number is free with an account.
How this is calculated
Google Play shows an exact lifetime install count; downloads per day are its daily change (measured). When Play hasn't refreshed the count, they come from new ratings and Top Free chart positions. Confidence is the chance the real number is within half to double ours.
Active users
All platforms, worldwide. Free with an account.
Stickiness (DAU / MAU)
how many monthly users open it on a given day
How this is calculated
Monthly users come from lifetime installs across every store, fitted on monthly active user figures companies publish; daily users = monthly × the typical daily/monthly ratio for the category. Confidence is the chance the real number is within half to double ours.
Where it ranks on Google Play
Every top 200 chart it appears in across 23 countries.
| Country | Charts | Rank |
|---|---|---|
| India | FinanceFree | #133 |
Apps near novio: UPI Credit Card for All on the chart
Finance Free, around #133.
Ratings
Google Play, worldwide.
Rating
4.6 ★
0 ratings
Measured
Ratings
0
Measured
About 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.
^Refer MITC for individual bank's details
🔸 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*
🔸 EARN 10% COINS WITH NOVIO UPI & CARD
5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards
🔸 DISCOUNTS ON TOP BRANDS
Redeem novio coins for big discounts on 10+ top brands
🔸 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. 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
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.
^Refer MITC for individual bank's details
🔸 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*
🔸 EARN 10% COINS WITH NOVIO UPI & CARD
5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards
🔸 DISCOUNTS ON TOP BRANDS
Redeem novio coins for big discounts on 10+ top brands
🔸 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. 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
What's new in 1.9.31
-Minor Improvements and Bug fixes