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SBM Bank India
SBM Bank India Credilio Credit Card
RuPay
SBM Bank India Credilio Credit Card
SBM Bank India's Credilio is another FD-backed secured RuPay card (via fintech partner Credilio), offering flat 1% unlimited cashback for those without income proof or credit history.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 18–70
Benefits
- FD-backed secured card; credit limit set as a percentage of the linked fixed deposit
- 1% unlimited cashback on all spends, while the FD continues earning interest
Pros
- + Flat 1% unlimited cashback — simpler than SBM's tiered Magnet card
- + No income proof or credit history required
- + FD continues earning interest
Cons
- − Credit limit capped by FD amount
- − Overlaps closely with SBM's own Magnet card — limited differentiation