Credit card

Wide Range of Life Time Free Credit Cards
Exciting Rewards
Get a Chance to Win Garba Tickets
For You & Your Loved Ones
Unlimited Lounge Access

Unlimited complimentary access to 1000+ airport lounges across India and the world.

Milestone Benefits

Exciting travel benefits on milestone spends – flights, hotel stays, vouchers, and more.

Reward Points on Every Spend

Earn accelerated Reward Points on every spend and redeem across 100+ travel and lifestyle partners.

Zero Forex Markup

0% forex markup on all international transactions. Spend abroad worry-free.

Smart & Secure Experience

Manage your card effortlessly with real-time alerts, easy controls, and seamless payments.

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Airport Lounge Access
Free Airport Lounge Access

Enjoy 1 complimentary domestic or international lounge visit per quarter (4 visits per year) with no minimum spend required.

Earn High FD Interest
Earn up to 7%* Interest on FD

100% RBI-insured Fixed Deposit backing your card that earns high interest while building your credit score.

FD Starting from Rs 2000
Guaranteed Approval from ₹2,000 FD

Get a guaranteed Lifetime FREE credit card starting with an FD of just ₹2,000—no income proof or credit score required.

Instant Issuance & UPI
Instant Digital Issuance & UPI

Instant virtual card issuance with seamless RuPay UPI linkage and digital control via the Novio mobile app.

Rewards & Merchant Offers
Novio Coins & ₹5,000 Welcome Offers

Earn up to 10% Novio coins on fuel & spends, plus top partner discounts across Swiggy, Amazon, Zepto, and BookMyShow (BOGO).

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5 Reward Points per ₹100

on IRCTC ticketing website & Rail Connect App

1 Reward Point per ₹100

on other eligible spends

Additional 5% cashback

on train-ticket bookings via HDFC Bank SmartBuy

8 complimentary IRCTC Executive Lounge accesses per year

(maximum 2 per quarter)

₹500 welcome gift voucher

on first transaction within 37 days

1% transaction-charge reversal

on eligible IRCTC ticketing website / Rail Connect transactions

Up to 45 days interest-free period

on your purchases

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Axis Bank Life Time Free Signature Card

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DCB Novio Credit-Card

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Federal Bank Scapia Life time Free

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SBI Credit Cards

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Yes Bank Pop Life time Free

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AU Bank Life time Free Card

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LIC IDFC Bank - Life Time Free

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Kiwi: Life time free Rupay Credit Card on UPI

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HDFC Bank Life time Free Credit Card

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Bank Of Baroda Bank

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EQUITAS Bank

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YES ZAGG Bank

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Indusind Bank

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IDFC Bank

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CSB Bank Edge

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Kotak Bank

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RBL Bank

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