Looking for the best Lifetime Free Credit Card with a low CIBIL score? Apply for the Novio FD Credit Card and get up to ₹1,100 cashback, 5% Amazon cashback, UPI rewards, movie offers, and more.
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Novio FD Credit Card Review 2026
If you have a low CIBIL score or are unable to get a regular unsecured credit card, the Novio FD Credit Card is one of the best options available in India.
This is a Lifetime Free (LTF) FD-backed credit card, meaning your credit limit is secured against your Fixed Deposit (FD). It is designed for beginners, students, freelancers, and anyone looking to build or improve their credit score.
The biggest attraction is the ₹1,100 cashback offer on eligible Fixed Deposit amounts, along with cashback, UPI rewards, movie benefits, and shopping discounts.
Get Up to ₹1,100 Cashback
Apply through the promotional link and enjoy special rewards:
- ✅ ₹350 Cashback on ₹2,000 Fixed Deposit
- ✅ ₹1,100 Cashback on ₹5,000 Fixed Deposit
- ✅ Additional HP Petrol Coupons (Offer Period Applicable)
This makes Novio one of the most rewarding FD-backed credit cards available today.
Why Choose Novio FD Credit Card?
Lifetime Free Credit Card
- No joining fee
- No annual fee
- Lifetime Free (LTF)
FD-Backed Credit Card
- Minimum FD starts from ₹2,000
- Get up to 90% of your FD value as your credit limit
- Safe and easy approval process
Example:
- ₹2,000 FD → ₹1,800 Credit Limit
- ₹5,000 FD → ₹4,500 Credit Limit
Best Features of Novio Credit Card
⭐ Up to ₹1,100 Cashback
Get promotional cashback when you open your FD through the referral link.
⭐ 5% Cashback on Amazon
- Shop on Amazon
- Mobile Recharge
- Bill Payments
- Earn up to 1,000 reward points every month.
⭐ 20% Discount on Swiggy & Zomato
Save money on food orders every month with exciting offers.
⭐ Buy One Get One Movie Ticket
Enjoy Buy 1 Get 1 Free movie tickets on BookMyShow (offer applicable as per terms).
⭐ Novio UPI Rewards
Use Novio UPI and earn:
- Coins on UPI payments
- Extra rewards on money transfers
- Redeem coins for Amazon Gift Cards, Flipkart Gift Cards, Ola, Uber and many more.
⭐ Welcome Benefits Worth Up to ₹5,000
New users can enjoy welcome rewards including:
- Entertainment subscriptions
- Brand discounts
- Bus ticket discounts
- Cashback offers
- Shopping rewards
⭐ HP Petrol Benefits
Eligible users can receive monthly HP petrol coupons during the promotional period.
⭐ Earn Interest on Your FD
- Around 7.10% annual interest (subject to prevailing rates)
- 390-day FD tenure
- Premature closure available
⭐ Easy Credit Score Building
Using the card responsibly and paying bills on time can help improve your credit history.
Watch Video Tutorial
Eligibility
You should have:
- Aadhaar Card
- PAN Card
- Aadhaar-linked mobile number
- Minimum ₹2,000 for Fixed Deposit
Pros
- Lifetime Free Credit Card
- Easy approval even with low CIBIL score
- Up to ₹1,100 Cashback
- FD starts from only ₹2,000
- Amazon cashback
- UPI rewards
- Movie offers
- Shopping discounts
- Helps improve credit score
- Virtual card available instantly
Cons
- Credit limit depends on your FD amount.
- Physical card may require a higher FD.
- Promotional cashback offers may change over time.
Final Verdict
If you are searching for the Best Lifetime Free Credit Card in India with guaranteed approval through an FD, the Novio FD Credit Card is an excellent choice.
The combination of:
- ₹1,100 Cashback
- Lifetime Free membership
- Amazon cashback
- UPI rewards
- Easy approval
- Credit score improvement
makes it one of the best FD-backed credit cards for beginners in 2026.
Frequently Asked Questions (FAQs)
Is Novio Credit Card Lifetime Free?
Yes. It is a Lifetime Free (LTF) credit card with no joining or annual fee.
What is the minimum FD required?
The minimum Fixed Deposit starts from ₹2,000.
How much cashback can I get?
Eligible users can receive:
- ₹350 Cashback on ₹2,000 FD
- ₹1,100 Cashback on ₹5,000 FD (Promotional Offer)
Is this card good for low CIBIL score?
Yes. Since it is FD-backed, it is one of the best credit cards for people with low or no credit history.
Does Novio support UPI?
Yes. You can use Novio UPI and earn reward coins on eligible transactions.
Can this card improve my credit score?
Yes. Regular usage and timely bill payments can help build a healthy credit history.
Is there a physical credit card?
Yes. A physical card may be available depending on the FD amount and the issuer’s current policy.
Disclaimer: Cashback amounts, rewards, and promotional offers are subject to change. Always check the latest terms and conditions before applying.