Compare : SBM novio Credit Card vs SBM OneCard Credit Card

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10 Novio Coins for every Rs. 100 spent on fuel via UPI on fuel spends between Rs. 400 and Rs. 4,000

1 Novio Coin for every Rs. 100 spent on fuel on fuel spends between Rs. 400 and Rs. 4,000

5 Novio Coins for every Rs. 100 spent on other categories, including UPI transactions

Redeem reward points through Novio app against brand vouchers

1 Reward Point for every Rs. 50 spend

Purchases under Rs. 50 earns fractional points (e.g., Rs. 25 earns 0.5 points)

2 of the highest-spending categories in a month earn 5 times the points when purchases are made across at least 3 categories

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Low forex markup fee of 2.49%

Up to 10X reward points on fuel spends

5X reward points on UPI transactions

Lifetime free credit card with no joining and annual fee

1 Reward Point on every Rs. 50 spent

Fractional points on spends below Rs. 50

Zero annual and joining fees

Up to Rs. 4,800 yearly savings on fuel

Reward redemption can only be done via Novio app

No complimentary international/domestic lounge visits

No travel and lifestyle-related perks

Very low reward rate

Consumers who are planning to start their credit journey and looking for a lifetime free card with basic benefits

Consumers who want to start their credit journey can begin with a basic rewards card that offers simple benefits while helping them build a strong credit history.