All cards / SBM Bank India
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.
Annual fee
₹499
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Insurance benefits: Standard RuPay platform lost-card liability cover
Benefits by category
- 🌍 Forex / international spend
2.49% forex markup on international transactions
Eligibility
- 0
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 2.49%
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