✅ Get a secured credit card backed by Fixed Deposit
✅ Fully digital application and verification process
✅ Safe and secure PAN, Aadhaar and OTP authentication
✅ Issued in partnership with a trusted banking partner
✅ Ideal for building or improving credit score

Novio is a digital financial services app that enables users to apply for a secured credit card in partnership with SBM Bank and Credilio. The entire process — from registration to card issuance — is fully online, including FD selection and video KYC.

✅ Target Audience:-

• Geography:
  ➤ Pan India
• Age Group:
  ➤ All above 18
• User Eligibility:
  ➤ New Users Only
• Ideal User Profile:
  ➤ Individuals looking to build or improve their credit score
  ➤ First-time credit card applicants
  ➤ Salaried and self-employed individuals
  ➤ Users comfortable completing digital KYC

✅Step by step process:-

✅ Download and install the Novio app from avasar app.
✅ Complete registration
✅ Navigate to SBM Credilio Credit Card section
✅ Enter your email ID and select FD amount
✅ Verify mobile number, email, PAN and Aadhaar via OTP
✅ Fill the application form and confirm details
✅ Make the Fixed Deposit payment
✅ Complete Video KYC
✅ Card gets issued after successful verification

✅ Offer valid only for new Novio users
✅ One application per mobile number and device
✅ PAN and Aadhaar verification is mandatory
✅ Fixed Deposit payment must be completed
✅ Video KYC must be successfully verified
✅ Duplicate or suspicious applications will be rejected
✅ Valid only for Indian residents
✅ Only successfully issued cards are considered valid
✅The task and entire process must be completed in one single attempt.
✅Do not go back or close the app during the process and Do not switch to another page or offer.
✅If the Gmail ID looks auto-generated, random, code-based, or does not match the user’s real name (e.g., numbers/IDs like PG1293240, random letters), the payment will not be            eligible.
✅Payment will be done within 7 days after approval