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Fees & charges
Joining feeLifetime free
Annual feeLifetime free
Fee waiverNo fee waiver
Forex markup2.49%
Finance charge3.5% p.m. (42% p.a.)
Cash advance fee2.5% of the amount withdrawn or INR 299 (whichever is higher)
Late payment feeINR 499
Rewards & Lounge access
Rewardsnovio Coins: 10% on fuel, 5% on UPI, 5% at stores; redeemable for up to 20% off at partner merchants
Lounge accessNot applicable
NetworkRuPay
CategoryEntry
Card typeSecured
Key features
- novio Coins: 10% on fuel, 5% on UPI, 5% at stores; redeemable for up to 20% off at partner merchants
- Welcome benefit worth Rs.5,000 (instant discounts up to Rs.23,000 across Amazon, BookMyShow, Zepto, Swiggy)