FD-Backed RuPay Credit Card

Build credit with an FD-backed card

Explore the SBM Novio RuPay Credit Card through FinYatraâ€”a secured credit-card option backed by a fixed deposit, with convenient UPI compatibility and an accessible digital application journey.

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Card issuance, limit, FD amount, fees, rewards and approval are governed by the issuing bank/authorised card partner's prevailing terms and eligibility checks.

Secured by Fixed Deposit

Card Highlights

A practical way to begin your credit journey

An FD-backed card can help eligible applicants access a credit line without relying only on an unsecured credit profile.

FD-Backed Limit

Your fixed deposit acts as security, while the eligible limit is decided under the issuer's policy.

RuPay on UPI

Link the eligible RuPay card with supported UPI applications for convenient merchant payments.

Build Credit History

Responsible usage and timely repayment may help establish or strengthen your credit profile.

Digital Convenience

Complete the assisted application journey and access services according to partner availability.

How an FD-backed credit card works

A secured card combines the stability of a fixed deposit with the convenience of a credit card. Your FD remains subject to the issuer's lien and terms while the card is active.

Create the required fixed deposit with the authorised issuer/partner.
The issuer determines your eligible card limit against the FD value.
Use the card within its limit and repay the monthly bill on time.
Interest, late fees or other charges may apply if dues are not paid as required.

Indicative eligibility

Indian resident meeting issuer age and KYC requirements.
Valid PAN and accepted identity/address proof.
Active mobile number for verification.
Required minimum fixed deposit.
Successful regulatory and fraud-risk checks.

Simple Application

Apply in four clear steps

FinYatra merchants can guide customers through the supported application flow.

Check Eligibility

Review current criteria, FD requirement, fees and key terms.

Submit Details

Enter accurate personal, contact and KYC information.

Complete KYC & FD

Finish verification and create the applicable fixed deposit.

Issuer Decision

The issuing partner reviews and communicates the final decision.

Keep these details ready

Exact documents may vary under current verification requirements.

PAN details

Identity/address proof

Registered mobile

Active email

Photo/video KYC

Payment/FD details

Use credit responsibly

Review the Most Important Terms and Conditions, schedule of charges, billing cycle, interest-free period and repayment obligations before accepting the card.

Pay the total amount due by the due date whenever possible.
Never share OTP, PIN, CVV or card credentials.
Report unauthorised activity promptly.

Important: â€œLifetime freeâ€, â€œguaranteed approvalâ€, rewards and promotional benefits shown in marketing material may be subject to conditions, exclusions or change. Confirm the latest written offer and card terms before proceeding.

Frequently Asked Questions

Know before you apply

What is an FD-backed credit card?

It is a secured credit card issued against a fixed deposit. The issuer places a lien on the FD and decides the card limit under its policy.
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Is approval guaranteed?

No. Final issuance remains subject to complete details, successful KYC, regulatory and risk checks, required FD creation and the issuer's internal policy.
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Can this RuPay card be used for UPI payments?

An eligible RuPay credit card may be linked to supported UPI apps for permitted merchant payments, subject to issuer, NPCI, app and regulatory rules.
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Will the fixed deposit continue earning interest?

FD and interest treatment follow the issuer's deposit terms. Review tenure, rate, lien and closure conditions before creating the FD.
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What happens if the card bill is not paid?

Interest, late fees, credit-reporting impact and recovery actions may apply. The issuer may exercise rights over the linked FD under applicable terms and law.
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Ready to explore the FD-backed card?

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