Core benefit
FD-backed card with UPI capability; deposit and card terms apply.
SBM Bank India × Credilio · Starter card
SBM Credilio Secured RuPay.
A closer look before you apply.
FD-backed card with UPI capability; deposit and card terms apply.
Deposit-backedUPI / RuPayStarter
This is an independent card profile. Applying opens the Novio partner flow, which may show a different card. Final terms and approval are the issuer’s decision.
CardSBM Credilio Secured RuPay
Issuer / partnerSBM Bank India × Credilio
Information checked25 September 2026
The card profile
What stands out.
These are high-level highlights. Reward value, fees, caps, exclusions and eligibility can change.
Card focus
Deposit-backed · UPI / RuPay · Starter. Compare this focus with how you actually spend, not only the headline benefit.
Application route
The partner application decides which card options you can select. A listing here does not guarantee this exact variant.
The useful fine print
Check these terms.
Review the current key fact statement and complete offer inside the application journey before submitting details.
Check the required fixed deposit, lien, credit limit and closure rules.
Compare joining and renewal fees with the value of the benefits you expect to use.
Confirm how rewards, UPI eligibility and any spending exclusions apply to your offer.
We do not quote a fee or reward rate where the current offer can vary or has not been independently confirmed. Credit Card Point cannot confirm approval or a specific card variant.
A simple next step
How to continue.
Never share your banking password with this site. The application opens in the partner’s secure flow.
- Open the applicationUse the Apply button to enter the partner journey through our affiliate link.
- Review the exact offerConfirm the card name, fees, benefits and key fact statement before proceeding.
- Apply only if it fitsComplete any required identity and eligibility checks with the issuer or partner.
Good to know
Common questions.
Will I definitely receive the SBM Credilio Secured RuPay card?
No. The issuer or partner determines eligibility and which card options appear during application.
Are the joining and annual fees fixed?
Fees and any waivers depend on the current card offer and issuer terms. Check the exact figures shown before you submit an application.
Does Credit Card Point process my application?
No. We provide independent information and an affiliate referral. The issuer or partner processes applications and makes the approval decision.
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