• Get a secured credit card backed by Fixed Deposit
• Fully digital application and verification process
• Safe and secure PAN, Aadhaar and OTP authentication
• Issued in partnership with a trusted banking partner
• Ideal for building or improving credit score

Novio is a digital financial services app that enables users to apply for a secured credit card in partnership with SBM Bank and Credilio. The entire process — from registration to card issuance — is fully online, including FD selection and video KYC.

• Geography:
  ➤ Pan India
• Age Group:
  ➤ All above 18
• User Eligibility:
  ➤ New Users Only
• Ideal User Profile:
  ➤ Individuals looking to build or improve their credit score
  ➤ First-time credit card applicants
  ➤ Salaried and self-employed individuals
  ➤ Users comfortable completing digital KYC

Step by step process:-

• Download and install the Novio app from avasar app.
• Complete registration
• Navigate to SBM Credilio Credit Card section
• Enter your email ID and select FD amount
• Verify mobile number, email, PAN and Aadhaar via OTP
• Fill the application form and confirm details
• Make the Fixed Deposit payment
• FD Below ₹5,000 → ₹315
• FD Above ₹5,000 → ₹920
  Complete Video KYC
  Card gets issued after successful verification

• Offer valid only for new Novio users
• One application per mobile number and device
• PAN and Aadhaar verification is mandatory
• Fixed Deposit payment must be completed
• Video KYC must be successfully verified
• Duplicate or suspicious applications will be rejected
• Valid only for Indian residents
• FD Below ₹5,000 → ₹315
• FD Above ₹5,000 → ₹920
• Only successfully issued cards are considered valid
• The task and entire process must be completed in one single attempt.
• Do not go back or close the app during the process and Do not switch to another page or offer.
• If the Gmail ID looks auto-generated, random, code-based, or does not match the user’s real name (e.g., numbers/IDs like PG1293240, random letters), the payment will not be            eligible.
  Payment will be done within 7 days after approval