customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar
Offers on Paisabazaar are only from Credit Institutions regulated by the RBI
meter

SBM Credilio Credit Card

Home Credit Card SBM Credit Card SBM Credilio Credit Card

SBM Credilio Credit Card is a secured credit card issued against an SBM fixed deposit, with a minimum deposit of Rs. 5,000, available through the SBM Credilio app. This card comes with no joining or annual fees and is offered in both VISA and RuPay variants. It offers value-back in the form of novio Coins, which can be redeemed for brand vouchers via novio app. Additionally, the card charges a comparatively low forex markup fee of 2.49%, making it a suitable option for international spends. Read on to know more about this secured credit card.

Check Pre-Approved Credit Cards
for you in Just One Click

  • 50+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Digits Only

Error: This is invalid mobile number

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
Error: Please accept the undertaking to proceed further
×

Exclusive Pre-Approved Cards waiting for you

  • 50+ Credit Cards from Top Banks

  • Compare Best Offers

  • Completely Digital Process

Error: Please enter a valid number

Updated: 07-10-2025 07:12:14 AM

Key Highlights of SBM Credilio Credit Card
Card Type Secured Credit Card (Backed by FD)
Annual Fee Nil
Minimum FD Amount Rs. 5,000
Credit Limit 90% of the FD amount
Accelerated Reward Points Up to 2X points on fuel spends
Base Reward Points 5 points per Rs. 100 spent
Forex Markup Fee
 2.49%
Overall Rating
 ★★ (2.5/5)

Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBM Bank’s website.

On this page
SBM Credilio Credit Card: Features & Benefits
SBM Credilio Credit Card: Eligibility Criteria
SBM Credilio Credit Card: Fees & Charges
Should You Apply for SBM Credilio Credit Card?
FAQs

SBM Credilio Credit Card: Features & Benefits

Rewards Program

  • 10 novio Coins for every Rs. 100 spent on fuel via UPI, capped at 400 Coins per month, on fuel spends between Rs. 400 and Rs. 4,000
  • 1 novio Coin for every Rs. 100 spent on fuel, capped at 40 Coins per month, 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

Other Features & Benefits

  • Low forex markup fee of 2.49%
  • Credit limit of 90% of the FD amount
  • Cash withdrawal limit of 50% of the available credit limit
  • Interest free period of up to 45 days

SBM Credilio Credit Card: Eligibility Criteria

To be eligible for this credit card, the applicant must be an Indian resident and also meet the below eligibility criteria:

  • Age Requirement: 18 years
  • Minimum FD Amount: 5,000

SBM Credilio Credit Card: Fees & Charges

Type of Fee/ Charge Amount
Joining Fee Nil
Annual Fee Nil
Finance Charges 2.5% p.m. (30% p.a.)
Late Payment Fee Rs. 499

Click here for the detailed fees & charges and other terms & conditions.

Should You Apply for SBM Credilio Credit Card?

SBM Credilio Credit Card is a decent option for consumers looking to start their credit journey. Cardholders can avail this credit card with a minimum FD of Rs. 5,000 and earn value-back on every spend. This card not only offers rewards on everyday categories, but also offers accelerated rewards on fuel spends, a category that is usually excluded from most rewards programs.

However, the value-back is offered in the form of novio Coins, which can only be redeemed through the novio app against brand vouchers, which may limit the value-back for some consumers. Also, cardholders can earn benefits on UPI spends as well with the RuPay variant. making it a preferable option for day-to-day spends. Overall, this credit card is a suitable choice for consumers looking for a card with basic benefits while building a strong credit profile.

FAQs

How does SBM Credilio Credit Card’s rewards program work?
You can earn novio Coins as value-back on their spends. The card offers Coins per Rs. 100 spent on fuel via UPI, capped at 400 Coins per month, and 5 Coins per Rs. 100 spent on other categories. These Coins can be redeemed for brand vouchers through the novio app.

What is the credit limit offered on SBM Credilio Credit Card?
The credit limit on SBM Credilio Credit Card is 90% of the fixed deposit amount. For example, if your FD is Rs. 10,000, your available credit limit will be Rs. 9,000.

Are there any fees associated with SBM Credilio Credit Card?
This card has no joining or annual fees. However, finance charges are 2.5% per month (30% p.a.), and late payment fees are Rs. 499. The card also has a low forex markup fee of 2.49%, making it suitable for international spends.

What is the eligibility criteria for this card?
The applicants must be Indian residents aged 18 years or above. The minimum FD required is Rs. 5,000 to apply for this credit card.

Can I use SBM Credilio Credit Card for international transactions?
Yes, SBM Credilio Credit Card charges a low forex markup fee of 2.49%, which is lower than many standard credit cards. This makes it a practical option for international spends.

Is SBM Credilio suitable for everyday spending?
Yes, the card offers rewards on everyday categories including UPI transactions and accelerated rewards on fuel spends, making it useful for day-to-day purchases while helping you build a strong credit profile.

meter
Menu