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 returnWithheld Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Rows mappedNo access Access ruleNo access Coverage sourceNeeds check
Annual feeLifetime free
RewardsPoints
SBM Bank India • RuPayFuel saver
SBM Novio Credit Card
Updated 11 Jun 2026StaleFull review overdue1 source checked
Freshness warning: oldest recorded evidence is 123 days old (11 Jun 2026). Treat fees, rewards, lounge access, and offers as stale until refreshed.
Point redemption value is unverified; annual estimate withheld.
Before deciding
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. Reward estimate withheld; review model limits. 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 ReturnWithheldModel limits
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 earning rules before estimating value.
Annual value is withheld. Review the available earning rules and source limitations before choosing a redemption route.
No annual fee.
This card is lifetime free.
Model limits
Value estimate unavailable: fee or benefit evidence needs review. Check listed issuer sources before applying.
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
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.