Why you should get it
Fuel Spends & Credit Building
- Earn up to 10X novioCoins on fuel spends
- Guaranteed approval backed by SBM Fixed Deposit
- UPI scan & pay enabled for everyday purchases
- No income proof or credit check required
Back to Browse
Why get it Why skip it Annual feeFree Fee waiverNot needed Best return5% Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Rows mappedNo access Access ruleNo access Coverage sourceNeeds check
SBM Bank India • RuPayFuel saver
SBM Novio Credit Card
Updated 11 Jun 2026VerifiedHigh confidence1 source checked
Get it if
Route your daily fuel and small merchant spends through UPI using this card to earn accelerated novioCoins
Skip it if
No complimentary airport lounge access is available on this variant
Latest change: Initial card profile added for SBM Novio Credit Card
For Fuel Spends & Credit Building. 5% on fuel spend. No annual fee. Skip it for lounge access.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
- Requires Fixed Deposit (min ₹5,000)
- No airport lounge access benefits
- Cancellation charge of ₹599 if closed within a year
Annual FeeFreeNo annual fee.
Spend to Waive FeeNot neededThis card is lifetime free.
Best Category Return5%Fuel spend
Lounge Access ConditionNo accessNo lounge access listed.
Quick notes
How to use the card well, and what to watch before applying.
How to use it well
- Route your daily fuel and small merchant spends through UPI using this card to earn accelerated novioCoins.
- Maintain a low credit utilization ratio (ideally under 30% of your credit limit) to build your credit score efficiently.
- Pay off the entire bill balance monthly. Secured cards carry high finance charges (42% per annum) that quickly eat into your deposit if unpaid.
Watch before applying
- No complimentary airport lounge access is available on this variant.
- If you cancel the card within the first 12 months, a closure fee of ₹599 applies.
- Interest rates are very high at 3.5% per month (42% annualized) on revolving balances.
Compare or Switch
What to do if this card is close, but not perfect.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
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Value & Fees
Check if the card clears its own fee.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
No annual fee.
This card is lifetime free.
Fuel spend
Your spend, your value
Will this card earn its keep for you?
Adjust your estimated monthly spend to see the personalized annual value after fees.
Est. annual value+₹1,395after annual fee
Lifetime free — every rupee is upside
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No airport-level lounge rows are currently listed.
Card-level policy notes: • No airport lounge access benefits Verify latest spend criteria and guest access with issuer before travel.
Derived from card policy signals
Lounge match needs verification
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Decision Details
Open the dense rulebook only when you are close to applying.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Keep proof and verification at the bottom.
This is the validation layer. Use it after the card already feels like a possible yes.