{"id":11738,"date":"2026-07-27T17:44:09","date_gmt":"2026-07-27T12:14:09","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=11738"},"modified":"2026-07-27T17:44:14","modified_gmt":"2026-07-27T12:14:14","slug":"sbm-novio-credit-card-earn-an-estimated-6472-annual-value-with-a-55000-fixed-deposit-see-how","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/sbm-novio-credit-card-earn-an-estimated-6472-annual-value-with-a-55000-fixed-deposit-see-how\/","title":{"rendered":"SBM Novio Credit Card: Earn an Estimated \u20b96,472 Annual Value with a \u20b955,000 Fixed Deposit &#8211; See How"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>The SBM Novio RuPay FD Credit Card offers a credit limit against a fixed deposit while helping users build their credit history. It provides rewards on everyday spends, UPI transactions, and fuel purchases. The card is a suitable option for first-time credit card users.&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Getting a credit card may be challenging for a beginner or a person who does not have a good credit history. The SBM Novio RuPay FD Credit Card helps you get around that obstacle because it is a secured credit card with an option to keep a fixed deposit, which keeps earning interest. The card comes with lifetime zero fees and reward coins every time there is a transaction, and partner offers from popular brands, the card combines credit-building with everyday savings while allowing users to continue earning interest on their fixed deposit.&nbsp;<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-4074708464\"><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-sb-m-novio-rupay-f-d-credit-card\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/crYP8vn\">SB<\/a><a href=\"https:\/\/bitli.in\/crYP8vn\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">M Novio RuPay F<\/a><a href=\"https:\/\/bitli.in\/crYP8vn\">D Credit Card<\/a><\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fees &amp; Features:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Joining &amp; Annual Fee:<\/strong> Lifetime free.<\/li>\n\n\n\n<li><strong>FD Requirement:<\/strong> Starts from \u20b92,000.<\/li>\n\n\n\n<li><strong>FD Range: <\/strong>\u20b92,000 to \u20b95 lakh.<\/li>\n\n\n\n<li><strong>Credit Limit:<\/strong> Up to 90% of the FD amount.<\/li>\n\n\n\n<li><strong>FD Interest: <\/strong>Earn up to 7% per annum.<\/li>\n\n\n\n<li><strong>Interest-free Period: <\/strong>Up to 45 days.<\/li>\n\n\n\n<li><strong>Card Type: <\/strong>RuPay FD-backed secured credit card.<\/li>\n\n\n\n<li><strong>Virtual Card: <\/strong>Instant virtual card for FDs starting at \u20b92,000.<\/li>\n\n\n\n<li><strong>Physical Card: <\/strong>Issued for FDs of \u20b910,000 or above.<\/li>\n\n\n\n<li><strong>FD Top-up: <\/strong>Increase your FD and credit limit anytime.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn 5% Novio Coins on UPI transactions.<\/li>\n\n\n\n<li>Earn 5% Novio Coins on offline (POS\/store) spends.<\/li>\n\n\n\n<li>Earn 10% Novio Coins on fuel purchases.<\/li>\n\n\n\n<li>Redeem Novio Coins for discounts of up to 20% across partner brands.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Welcome Benefits:&nbsp;<\/strong>\n<ul class=\"wp-block-list\">\n<li>New cardholders can unlock <strong>welcome benefits worth up to \u20b95,000<\/strong> by spending <strong>\u20b92,500 within the first 30 days<\/strong> of card issuance, subject to applicable terms and conditions.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Partner Offers:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>BookMyShow:<\/strong> Buy 1 Get 1 Free (up to \u20b9250 per eligible transaction)<\/li>\n\n\n\n<li><strong>Amazon:<\/strong> Up to 5% instant discount on eligible purchases<\/li>\n\n\n\n<li><strong>Zepto:<\/strong> 10% cashback on eligible orders<\/li>\n\n\n\n<li><strong>Swiggy:<\/strong> 20% discount on eligible food orders<\/li>\n\n\n\n<li><strong>Fuel:<\/strong> \u20b9100 joining benefit per month for 6 months (subject to terms)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\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\/2-cashback-credit-cards-offering-flat-20-off-and-5-cashback-on-domestic-hotels-check-the-best-picks\/\" target=\"_blank\" rel=\"noreferrer noopener\">2 Cashback Credit Cards Offering Flat 20% Off and 5% Cashback on Domestic Hotels; Check the Best Picks<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-sbm-novio-rupay-fd-credit-card-spending-illustration-55-000-fd-nbsp\" style=\"font-size:22px\"><strong>SBM Novio RuPay FD Credit Card Spending Illustration (\u20b955,000 FD)&nbsp;<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fixed Deposit: <strong>\u20b955,000<\/strong>&nbsp;<\/li>\n\n\n\n<li>Credit Limit: <strong>Up to \u20b949,500 (90% of FD)<\/strong><\/li>\n\n\n\n<li>Monthly Card Spending: <strong>\u20b920,000<\/strong><\/li>\n\n\n\n<li>Annual Card Spending: <strong>\u20b92,40,000<\/strong><\/li>\n<\/ul>\n\n\n<div id=\"footable_parent_11759\"\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=\"11759\" data-filter-delay=\"1000\" aria-label=\"Finance - Sheet1 (5).csv\"            id=\"footable_11759\"\n           data-unique_identifier=\"ninja_table_unique_id_4217163288_11759\"\n           class=\" foo-table ninja_footable foo_table_11759 ninja_table_unique_id_4217163288_11759 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<p><strong>Note:<\/strong> This illustration assumes a <strong>\u20b955,000 FD<\/strong>, a <strong>credit limit of up to \u20b949,500<\/strong>, and <strong>monthly card spending of \u20b920,000<\/strong> with the outstanding balance paid in full every month. Reward calculations are based on SBM Novio&#8217;s redemption rate of <strong>5 Novio Coins = \u20b91<\/strong>. Actual rewards, partner offers, and savings may vary depending on eligible transactions and applicable terms and conditions.&nbsp;<\/p>\n\n\n\n<p>To Apply for this card, please visit the <strong><a href=\"https:\/\/bitli.in\/crYP8vn\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-consider-this-card\" style=\"font-size:22px\"><strong>Who Should Consider This Card<\/strong><\/h2>\n\n\n\n<p>SBM Novio RuPay FD Credit Card is ideal for people applying for a credit card for the first time, students, young working professionals, and people seeking to establish or build their credit score. It can be of help to those applicants who may fail to satisfy the income requirements for getting a credit card. It works well for those people who make a lot of UPI payments and do online shopping, or want to earn rewards while keeping their money invested in an FD.&nbsp;&nbsp;<\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-460465203\"><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","protected":false},"excerpt":{"rendered":"<p>Synopsis: The SBM Novio RuPay FD Credit Card offers a credit limit against a fixed deposit while helping users build their credit history. It provides rewards on everyday spends, UPI transactions, and fuel purchases. The card is a suitable option for first-time credit card users.&nbsp; Getting a credit card may be challenging for a beginner [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":11743,"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":[3970,4052,4094],"ppma_author":[3332],"class_list":["post-11738","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-best-fd-backed-credit-cards-2","tag-sbm-novio-credit-card","tag-sbm-novio-rupay-fd-credit-card"],"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 Credit Card: Earn an Estimated \u20b96,472 Annual Value with a \u20b955,000 Fixed Deposit - See How<\/title>\n<meta name=\"description\" content=\"The SBM Novio RuPay FD Credit Card offers a credit limit against a fixed deposit while helping users build their credit history. 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