← Back to Card Engine Novio ENTRY TIER

Novio RuPay Credit Card

Annual Fee ₹500 + GST

Reward Rate 2 Reward Points per ₹100 online (1.0%) & 1 Reward Point per ₹100 offline (0.5%)

Lounge Access No lounge access (domestic or international)

NOVI

Novio plastic

Novio RuPay Credit Card Visa

Apply Nowopen_in_newlockSecure · Official site

campaignCredSutra earns a referral fee when you apply through our links. This does not affect our reviews or rankings.

lock Secure redirect to the bank's official site. CredSutra does not store your application data.

Community Consensus

Consensus Note: Novio RuPay Credit Card issued by Novio remains a flagship choice for UPI-linked RuPay credit card for entry-level users wanting credit-building with basic rewards. Verified user discussions highlight strong yields on spending thresholds.

At-A-Glance Quick Facts

payments Annual Membership Fee

stars Base Reward Return Rate

flight_takeoff Airport Lounge Privilege

account_balance_wallet Min Monthly Income

₹25,000 / month

speed Recommended CIBIL Score

750+

8.4 / 10

AI Verdict CredSutra Engine

Synthesized objective algorithmic score

Confidence: 95%

The Novio RuPay Credit Card issued by Novio offers competitive value for UPI-linked RuPay credit card for entry-level users wanting credit-building with basic rewards. Audit your monthly spending against its ₹500 + GST fee structure.

Key Trade-offs & Considerations

⚡ Annual fee of ₹500 + GST
⚡ Lounge access policy: No lounge access (domestic or international)
⚡ Reward rate: 2 Reward Points per ₹100 online (1.0%) & 1 Reward Point per ₹100 offline (0.5%)

Key Benefits & Characteristics

stars

Category Rewards Multiplier Matrix

1 RP ≈ ₹0.25 to ₹1.00

Spend Category	Earning Multiplier / Return Rate
flight Travel & Flights	2% to 5% points
shopping_cart Online Shopping & SaaS	1% to 5% cashback
storefront Offline Retail Stores	1% reward points
account_balance Government & Tax Pay	0.5% (Caps apply)
house Rent & Wallet Loads	Excluded / 1% surcharge

receipt_long Fee & Surcharge Breakdown

badge Joining Fee

event_repeat Annual Fee

₹500 + GST

savings Fee Waiver Threshold

N/A

currency_exchange Forex Markup

3.5% + GST

warning Late Payment Fee

Up to ₹1,300

Detailed Analysis & Review

Deep-Dive Review: Novio RuPay Credit Card

Community Verdict

[!NOTE] The Novio RuPay Credit Card is a co-branded entry-level RuPay Select card issued by RBL Bank in partnership with Credilio Financial Technologies. It targets first-time credit card users who want UPI integration and basic shopping rewards at a low ₹500 + GST annual fee. The 1.0% online return and 0.5% offline return are below mid-tier cards, and there is no lounge access, no travel benefits, and no premium insurance. Use it as a credit-building RuPay card with UPI linking, not as a primary spend card.

Pros

Low Annual Fee: Joining fee and annual fee of just ₹500 + GST — among the most affordable RuPay credit cards on the market.
UPI Integration: RuPay Select network allows seamless UPI linking for everyday transactions, making this card behave like a RuPay debit card at UPI QR codes.
Welcome Bonus: 2,000 Reward Points credited when cardholder makes purchases of ₹5,000 within 30 days of card issuance.
Annual Milestone Rewards: 1,000 bonus Reward Points on ₹1.5L annual spend, plus an additional 2,000 Reward Points (3,000 cumulative) on ₹3L annual spend.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations in India.
Free Add-on Cards: Complimentary add-on cards for family members.
Fraud Liability Cover: ₹50,000 fraud liability cover provides basic protection against unauthorized transactions.
Entry-Level Accessibility: Minimum income requirement of ₹15,000 makes it accessible for salaried/self-employed entry-level applicants (age 18–60).

Cons

No Lounge Access: Zero domestic or international airport lounge access — neither via domestic lounge program nor Priority Pass.
Low Reward Rate: 1.0% on online and 0.5% on offline spends is well below mid-tier competitors (HDFC Millennia 5% on Amazon/Flipkart, SBI Cashback 5% on online).
Multiple Reward Exclusions: Fuel and auto, Education, Railways, Insurance, Government Services, Charges, GST, and EMI conversions earn no Reward Points.
Reward Redemption Fee: ₹99 + GST charged per redemption request — eats into low-value point redemptions.
No Insurance Benefits: No air accident, travel, lost baggage, flight delay, purchase protection, or extended warranty covers are publicly disclosed.
High Interest Rate: 3.99% per month (47.88% per annum) finance charges if you carry a balance — among the highest in the segment.
High Cash Withdrawal Cost: 2.5% of cash withdrawn or ₹500 (whichever is higher) is steep for an entry-level card.
Late Payment Fee up to ₹1,200: Sliding-scale late payment fee can hit ₹1,200 on overdue balances.
Overlimit Fee: 2.5% of overlimit amount (minimum ₹500) for exceeding credit limit.
Card Replacement Fee: ₹100 per replacement card.
Statement Retrieval Fee: Not disclosed as zero (per spec, this field is null vs. many cards that waive it).
Official Product Page Returns 404: The Novio.in /rupay-credit-card/ subpage is offline; details rely on third-party sources like CardsWala and RatingOK.
No Movie / Dining / Travel / Golf Perks: Stripped-down benefits package compared to lifestyle cards.

Reward Spends & Categories

The Novio RuPay Credit Card uses Reward Points as its reward currency, with two rates based on transaction type. Online spends (including UPI-linked RuPay transactions) earn double the rate of offline spends.

Category Spend	Earning Rate / Reward Points
🛍️ Online Shopping	2 Reward Points per ₹100 (~1.0% return)
💳 UPI Payments (RuPay)	2 Reward Points per ₹100 (~1.0% return)
🛒 Offline / Retail Spends	1 Reward Point per ₹100 (~0.5% return)
🥦 Groceries	1 Reward Point per ₹100 offline / 2 RP per ₹100 online
⛽ Fuel & Auto	0% (Surcharge waiver only, no Reward Points)
🎓 Education Transactions	0% (Excluded)
🚆 Railway Bookings	0% (Excluded)
🛡️ Insurance Payments	0% (Excluded)
🏛️ Government Services	0% (Excluded)
💰 EMI Conversions	0% (Excluded)
🏷️ Charges & GST	0% (Excluded)

Reward Point Redemption Value

Reward Points are redeemed via RBL Bank channels, but exact per-point value is not publicly disclosed on the official Novio website. Available redemption channels include statement credit, products, and vouchers.

Statement Credit / Products / Vouchers: Value per Reward Point not publicly disclosed — confirm current value with RBL Bank before redeeming.
Redemption Fee: ₹99 + GST charged per redemption request.

Annual Milestone Benefits

Bonus Reward Points are credited based on annual spending milestones:

Annual Spend	Bonus Reward Points	Cumulative Bonus
₹1,50,000	1,000	1,000
₹3,00,000	2,000	3,000

Airport Lounge & Travel Perks

The Novio RuPay Credit Card does NOT offer any airport lounge access:

[!IMPORTANT]

Domestic Airport Lounges: Not available.

International Airport Lounges: Not available — no Priority Pass membership.

No Travel Benefits: No Priority Pass, airport transfer, meet-and-greet, fast-track immigration, or visa assistance services are bundled in.

Emergency Card Replacement: Available — useful if card is lost or stolen while travelling.

For official terms, interest rates, and applications, refer to the Novio Website.