Sbm Novio Credit Card

The SBM Credilio RuPay Credit Card is designed to enhance your everyday spending experience with the power of UPI integration. Link your credit card directly to UPI apps and enjoy secure, convenient, and rewarding transactions across India.

With this card, you get exclusive welcome benefits, cashback offers, and discounts across top brands. Whether you’re shopping online, paying bills, or making merchant payments, this card ensures you earn rewards on every transaction.

Key highlights include:

  • UPI-enabled credit card for easy payments
  • Attractive welcome benefits worth ₹5000+
  • Cashback and discounts on popular brands
  • Contactless and secure transactions
  • Fully digital application process with quick approval

Experience smarter spending with flexibility, rewards, and convenience—all in one card.


Check your Sbm Novio Credit Card eligibility

Grab an Sbm Novio Credit Card with just a click and get exciting rewards and offers

Note: It will not affect your score

Sbm Novio Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Fixed Deposit

Reward Type

Reward Points

Welcome Benefits

reward and benefits +

·       Earn cashback on UPI transactions and everyday spends

·       Get exclusive partner offers on brands like AJIO, SOCH, Trends Footwear, and more

·       Enjoy fuel benefits with HPCL vouchers

·       Complimentary OTT subscription (Watcho – 1 month access)

·       Additional discounts on shopping, lifestyle, and entertainment categories

·       Seamless rewards redemption process


free & charges +

product details +

·       Card Name: SBM Credilio RuPay Credit Card

·       Card Network: RuPay

·       Card Type: Entry-Level Credit Card

·       Issuer Bank: SBM Bank (India) Ltd.

·       UPI Integration: Yes (Link directly with UPI apps like PhonePe, Google Pay, Paytm)

·       Joining Fee: ₹0 (Nil)

·       Annual Fee: ₹0 (Lifetime Free)


pros / cons +