novio - credit card lifestyle app for iPhone and iPad

novio is a nov-age inclusive app that brings together the knowledge and accessibility to the most rewarding payment option, customized for every Indian.

With novio, now you know you are choosing the most optimal payment option available with you. If not, you can always apply for one that suits your lifestyle.

For the vivacious and the ambitious, for the optimistic and the enthusiastic, for the extravagant and the minimalist, there’s something novel for everyone.

Have multiple cards and find it difficult to manage multiple apps?
Have multiple payment options and confused about the most rewarding option?
Looking for brand e-vouchers at a discounted rate?
Looking for online and offline deals around you?
Trying to optimize your spends and maximize spends?
Trying to build your credit score?

Download novio

novio – a novel and rewarding way to experience credit cards


- Get a Credit Card that best suits your lifestyle
Be spoilt for choice with 100+ credit cards of leading banks like Axis, HDFC, IDFC, HSBC, Yes Bank, IndusInd, SBI,Citi, ICICI, Kotak,Bank of Baroda, RBL,SCB, AU Small Finance. A wide range of best-selling travel cards, lifetime free cards, dining cards, shopping cards available on novio, ensure you live a vivacious lifestyle.

- Get to know Deals on your Card
Optimize your card spends and maximize your rewards with our innovative deals finder. The deals finder gets you the best online plus offline deals available on your card and helps you decide on the best payment option to ensure you earn maximum benefits. With novio, now you are sure, you are choosing the most rewarding option.

- Get Brand e-vouchers even without a credit card
A curated store with brand e-vouchers of 20+ popular brands at up to 90% discount. Buy e-vouchers of shopping, entertainment, food delivery and lifestyle brands at discounted rates and boost your savings only on novio.

- Get a Guaranteed Card
With novio, build your credit score with a guaranteed card available to you. Book a fixed deposit and instantly get your SBM Credilio Credit Card. A fully digital process to enable you to get the perks of a credit card, build your credit score and earn 7% interest on your fixed deposit. With novio, you can now begin your journey towards an elevated credit card lifestyle.

- Get all your applications in one place
Hassle-free one-stop tracking of all your applications to ensure your time is well-utilized.

- Get one app for all your cards
novio’s user-friendly interface and robust security features makes it easy for you to add all your credit cards in one place.

- Get Credit Report
Check your credit score with novio, no matter what credit card you have. Get detailed insights and build your credit score with us and increase your chances of being eligible for more best-selling cards.

Download novio and make every swipe count.