Credit Cards · Honest Review
SBM Novio RuPay Credit Card
SBM Bank · RuPay
Your Verdict
- ✓Lifetime free — no joining or annual fee
- ✓FD-backed secured card (minimum FD ₹5,000)
- ✓5X Novio Coins on all UPI and card spends
- ✓10X Novio Coins on fuel spends
- ✓Coins redeemable for brand vouchers via Novio app
What SBM Novio RuPay Credit Card costs you
SBM Novio RuPay Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
SBM Novio RuPay Credit Card earns 5.00% on all eligible spends as a base reward rate, with accelerated rates on fuel and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 5.00% |
| ⛽ Fuel | 10% |
Novio Coins on activation
Reward types: Points
Beyond the reward rate
The non-reward benefits on SBM Novio RuPay Credit Card are limited — the card's value proposition is primarily the reward rate structure.
Who can apply for SBM Novio RuPay Credit Card
SBM Novio RuPay Credit Card does not have a published minimum income requirement. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | Not specified |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get SBM Novio RuPay Credit Card
- → Heavy spenders on fuel who want 10% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
SBM Novio RuPay Credit Card — Questions answered
Is SBM Novio RuPay Credit Card free for life?
What is the minimum income required for SBM Novio RuPay Credit Card?
What is the reward rate on SBM Novio RuPay Credit Card for fuel?
Does SBM Novio RuPay Credit Card provide airport lounge access?
How long does it take to get SBM Novio RuPay Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.