{"id":11621,"date":"2026-07-25T14:25:00","date_gmt":"2026-07-25T08:55:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=11621"},"modified":"2026-07-25T12:08:37","modified_gmt":"2026-07-25T06:38:37","slug":"sbm-novio-vs-idfc-first-earn-credit-card-one-offers-7-fd-interest-and-up-to-6000-annual-rewards-which-card-wins","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/sbm-novio-vs-idfc-first-earn-credit-card-one-offers-7-fd-interest-and-up-to-6000-annual-rewards-which-card-wins\/","title":{"rendered":"SBM Novio vs IDFC FIRST EARN Credit Card: One Offers 7% FD Interest and Up to \u20b96,000 Annual Rewards &#8211; Which Card Wins?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis:<\/strong><em> SBM Novio and IDFC First EARN are both fixed deposit-backed RuPay credit cards built for first-time cardholders. SBM Novio offers a 90% FD-linked limit with category-based rewards, while IDFC First EARN offers a 100% FD-linked limit with UPI-focused cashback.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>FD-backed credit cards let you get approved instantly by securing the card against your own deposit, making them ideal for students, freelancers, or anyone building a credit history. SBM Novio and IDFC First EARN are two such RuPay options, each with a different fee and reward approach and here&#8217;s a side-by-side breakdown.&nbsp;<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3929482244\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sbm-novio-credit-card\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/gEUPo05\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SBM Novio Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/gEUPo05\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/sbm-purple-card-1024x538.webp\" alt=\"SBM Novio Credit Card\" class=\"wp-image-10629\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/sbm-purple-card-1024x538.webp 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/sbm-purple-card-980x515.webp 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/sbm-purple-card-480x252.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> Nil&nbsp;<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> Nil<\/li>\n\n\n\n<li><strong>Fee Waiver Criteria:<\/strong> Not applicable as the card is lifetime free<\/li>\n\n\n\n<li><strong>Minimum FD Amount:<\/strong> \u20b92,000 for virtual card and \u20b910,000 for physical card<\/li>\n\n\n\n<li><strong>Credit Limit:<\/strong> 90% of FD value<\/li>\n\n\n\n<li><strong>FD Interest:<\/strong> Up to 7% p.a.<\/li>\n\n\n\n<li><strong>Reward Structure:<\/strong> 10% novio coins on fuel spends, 5% novio coins on UPI spends, 5% novio coins on offline store spends, and up to 20% instant brand discounts including, Amazon, Zepto, Swiggy, BookMyShow, and other eligible brands<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/gEUPo05\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-idfc-first-earn-credit-card\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/pFbc1Fu\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">IDFC First EARN Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\" https:\/\/bitli.in\/pFbc1Fu\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-24-2026-03_10_18-PM-2-1024x683.png\" alt=\"IDFC First EARN Credit Card\n\" class=\"wp-image-11629\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-24-2026-03_10_18-PM-2-980x653.png 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-24-2026-03_10_18-PM-2-480x320.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b9499 + GST (currently \u20b90 for a limited period)<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> \u20b9499 + GST<\/li>\n\n\n\n<li><strong>Fee Waiver Criteria:<\/strong> Waived if annual spends cross \u20b91 lakh<\/li>\n\n\n\n<li><strong>Minimum FD Amount:<\/strong> \u20b95,000<\/li>\n\n\n\n<li><strong>Credit Limit:<\/strong> 100% of FD value<\/li>\n\n\n\n<li><strong>FD Interest:<\/strong> As per prevailing IDFC First Bank FD rates<\/li>\n\n\n\n<li><strong>Reward Structure:<\/strong> 1% cashback on UPI via the IDFC First Bank app, 0.5% cashback on UPI via other apps, online spends, and utility or insurance or wallet loads, capped at \u20b9500 per statement cycle<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/pFbc1Fu\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/3-best-indusind-lifetime-free-credit-cards-compared-is-the-indusind-tiger-the-best-pick\/\" target=\"_blank\" rel=\"noreferrer noopener\">3 Best IndusInd Lifetime-Free Credit Cards Compared: Is the IndusInd Tiger the Best Pick?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-example-fd-of-50-000-on-both-cards\" style=\"font-size:22px\"><strong>Example: FD of \u20b950,000 on Both Cards<\/strong><\/h2>\n\n\n\n<p>Assume you place a <strong>\u20b950,000 FD<\/strong> on each card and spend close to your full available credit limit every month, spread across common spend categories. Note, 5 novio coins = \u20b91.<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3106264232\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4023722985638610\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Trade Brains  - Money InCon -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-4023722985638610\"\r\n     data-ad-slot=\"2055721573\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n\n\n<div id=\"footable_parent_11659\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"11659\" data-filter-delay=\"1000\" aria-label=\"Finance - Sheet1 (3).csv\"            id=\"footable_11659\"\n           data-unique_identifier=\"ninja_table_unique_id_460454199_11659\"\n           class=\" foo-table ninja_footable foo_table_11659 ninja_table_unique_id_460454199_11659 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-all-in-all\" style=\"font-size:22px\"><strong>All in All<\/strong><\/h2>\n\n\n\n<p>On paper, SBM Novio&#8217;s higher, category-based rewards make it more lucrative for regular fuel and UPI spenders, while IDFC First EARN offers a simpler, capped cashback model with added travel bonuses and insurance-style perks. The right choice ultimately depends on your spending habits and whether you prefer a physical card option.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: SBM Novio and IDFC First EARN are both fixed deposit-backed RuPay credit cards built for first-time cardholders. SBM Novio offers a 90% FD-linked limit with category-based rewards, while IDFC First EARN offers a 100% FD-linked limit with UPI-focused cashback. FD-backed credit cards let you get approved instantly by securing the card against your own [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":11630,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[4053,4052,4054],"ppma_author":[3062],"class_list":["post-11621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-idfc-first-earn-credit-card","tag-sbm-novio-credit-card","tag-sbm-novio-vs-idfc-first-earn"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SBM Novio vs IDFC FIRST EARN Credit Card: One Offers 7% FD Interest and Up to \u20b96,000 Annual Rewards - Which Card Wins?<\/title>\n<meta name=\"description\" content=\"SBM Novio and IDFC First EARN are both fixed deposit-backed RuPay credit cards built for first-time cardholders. 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