novio: UPI Credit Card for All

novio: UPI Credit Card for All unlocks RuPay credit cards for UPI users through a fixed deposit. It offers guaranteed approval with no income proof, a lifetime-free card, and up to 45 days of interest-free credit, plus rewards on UPI payments and exclusive brand offers.

How it works: download the novio app, book a Fixed Deposit, complete quick KYC, and receive a virtual RuPay credit card within hours. Use it anywhere to spend, earn rewards, and build your credit score. The FD-backed card is RBI-insured for safety, with eligibility for Indian residents 18+ (29 lakh+ customers already on board).