novio

About novio

novio is a fintech brand offering fixed deposit-backed RuPay credit cards in India, focused on enabling UPI payments with rewards and credit-building potential. The service enables users to start with a small fixed deposit and receive an instant virtual credit card without income proof or credit score requirements. It targets everyday spend across fuel, UPI, and in-store purchases, with partnerships to offer brand discounts and welcome benefits. The company is powered by Credilio and operates in the Indian financial services ecosystem.