Enjoy lifetime free benefits with zero joining fee and no annual renewal charges on the card
Start with a minimum Fixed Deposit of Rs 2,000 and get a RuPay credit card based on your FD amount - a virtual RuPay Credit card for FDs between Rs 2,000 and Rs 9,999, a physical RuPay Credit card for FDs above Rs 10,000
Earn up to 10 Novio Coins for every Rs 100 spent on fuel transactions made via UPI, and 5 Novio Coins for every Rs 100 spent on UPI payments and other eligible retail purchases, subject to eligible transaction values and applicable monthly reward caps
Save Rs 18,000+ Annually through offers and discounts on brands like Amazon, Swiggy, Zepto, BookMyShow, HPCL, Yatra and more
Get Welcome benefits worth Rs 5,000+ with vouchers and discounts from brands like HPCL, AJIO, Trends Footwear, Soch, Watcho, Pocket FM, The Man Company, Yatra, AbhiBus, PharmEasy, and WOW Skin Science
Get a credit limit of up to 90% of your FD amount, with the flexibility to increase the limit by topping up the FD

FEES & LIST OF CHARGES
Joining Fee: Nil
Annual Fee: Nil

ELIGIBILITY CRITERIA
Age: 21 to 65 years
Minimum Funding Required: Rs 2000 (Physical Card available on FDs above Rs 10,000)