Novio offers FD-backed RuPay credit cards, including SBM novio Select, that novio lists as lifetime free with no credit score or income proof needed. Cardholders earn 10% novio coins on fuel and 5% on UPI and store spends, plus partner discounts such as 20% off Swiggy and Buy 1 Get 1 on BookMyShow.
FD
Interest Deal
With the SBM novio card your 390-day fixed deposit stays as security and continues to earn interest, according to SBM Bank. The card limit is linked to the FD amount.
10%
OFF Deal
The novio card includes partner discounts of 10% off on Zepto and 5% off on Amazon, as listed on novio.in. Caps and terms are set by each partner.
20%
OFF Deal
Novio cardholders get 20% off on Swiggy, one of the partner brand offers listed on the novio website. Partner terms and caps apply.
Buy 1
Get 1 Free Deal
Novio lists a Buy 1 Get 1 offer on BookMyShow movie tickets for its credit card users. Offer limits and eligible shows follow the partner terms in the novio app.
12%
OFF Deal
Novio coins can be redeemed for vouchers from Amazon Pay, BookMyShow, Myntra, Jio and Flipkart, with voucher discounts listed from 4% up to 12%.
Welcome
Benefits Deal
New novio cardholders receive a welcome benefits pack on joining, as listed on the novio website. Benefit terms are shown in the novio app after approval.
FD
Backed Deal
The novio card is secured by a fixed deposit, and novio states that no credit score and no income proof are required to apply. For the SBM novio card the FD has a 390-day tenure and the credit limit depends on the FD amount.
5%
Coins Deal
In-store card spends on a novio credit card earn 5% as novio coins. Coins can later be swapped for vouchers from partner brands.
5%
Coins Deal
Pay by UPI with the novio RuPay credit card and earn 5% novio coins on every UPI payment. Coins are credited in the novio app.
10%
Coins Deal
Fuel spends on a novio RuPay credit card earn 10% back as novio coins, which can be redeemed for brand vouchers in the novio app. Reward terms are set by novio and the issuing bank.
FAQs
Find quick answers about coupon codes, deals, and store discounts.
Find 11 verified Novio Secured Credit card coupon codes at DiscountCrown. Current savings include FD Interest. Browse active promo codes, deals, and shopping offers updated for Nov 2026.
Use this page to compare the latest Novio Secured Credit card coupon codes, check offer details, and open the store when you are ready to shop.
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