novio: UPI Credit Card for All

Applied mainly because I wanted a RuPay credit card for UPI without going through the usual rejection hassles. The FD-backed process was straightforward, the app is clean, and the onboarding was smoother than I expected. I've been using the card for everyday UPI payments like groceries, food, and shopping, and earning rewards on spends is a nice bonus. The best part is that it helps build credit history while still keeping spending under control since it's backed by an FD. Overall, it's been a good experience so far. Would love to see even more reward partners and a few more in-app insights on spending, but the app does exactly what it promises. Iam fully satisfied with this sbm card

**Novio UPI Credit Card Review (4/5 ⭐)** I've been exploring the Novio UPI Credit Card and found it to be a good option for beginners and people who don't have a strong credit history. The biggest advantage is that it offers an FD-backed credit card with relatively easy approval and allows UPI payments through a RuPay credit card. Novio also promotes rewards on UPI transactions, which can make everyday spending more rewarding. The app interface is generally easy to use, and many users report that it helps them start building their credit score. However, there are some drawbacks. A few users have reported app bugs, onboarding issues, delays in customer support, and concerns about card closure charges or fees in certain situations. Community discussions also suggest reading the terms carefully before applying. **Pros:** * Easy approval with FD-backed cards * UPI payments via RuPay credit card * Rewards on eligible transactions * Helpful for building credit history **Cons:** * Some users report technical issues * Customer support experience can vary * Check closure fees and card terms carefully **Overall Rating: 4/5 ⭐** A good choice for first-time credit card users and those looking to build credit, but it's worth reviewing all charges and conditions before applying.

Been using Novio and their FD-backed card since January, and honestly, it’s a lifesaver. If you're a freelancer, student, or just don't have a salaried job, getting a credit card is usually a nightmare. With this, you just put some money in an FD, get 7% interest on it, and they instantly give you a RuPay credit card with a 90% limit. I linked it to my UPI and use it for all my daily expenses to get reward points. No hidden charges, completely free, and it actually helps fix or build your credit score. The app is fast, though the reward section can sometimes be a bit smoother. Overall, totally worth it if you want an easy credit card.