Benefits:
Apply for the SBM Novio Credit Card and get a guaranteed credit card in just a few minutes!
Guaranteed Approval - Credit card against Fixed Deposit
Get the SBM Novio RuPay lifetime free Credit Card
Build & Improve Your CIBIL Score
Start FD with just ₹2,000
BookMyShow Offer - Buy 1 Get 1
Build your credit score up to 750+
Whom to sell?
Age: 18+
1. CIBIL score is not required.
2. Income proof is not required.
3. Minimum FD starts from ₹2,000.
Note: Physical card will be issued only if FD is ₹10,000 or more.
How it works?
1. Share the link with everyone in your network(friends/customers).
2. A customer clicks on the shared link and redirects to the SBM Novio web page. 3. Customer registers on the Novio app.
4. Customer completes the application journey.
5. Customer creates a Fixed Deposit
6. Customer completes Video KYC.
7. Virtual credit card is issued and becomes available in the app.
8. Customer can start using the card and build credit score.
Terms & Conditions
Payout slab:
FD Amt. Payout
₹2,000-₹4,999 → ₹400
₹5,000-₹9,999 → ₹800
₹10,000-₹25000 → ₹1100
₹25,001 & Above→ ₹2250
Note: Only New to SBM user will be eligible for the payout
DOS:
1. Tell the customer clearly that this is an FD-backed secured credit card..
2. Tell the customer that the minimum FD starts from ₹2,000.
3. Explain that the credit limit will be 90% of the FD amount.
4. Tell the customer that the credit limit can go up to 4.5 Lakhs.
5. Inform the customer that the physical card is given only if the FD is ₹10,000 or more.
6. Tell the customer that the virtual card is available instantly after approval.
7. Explain that welcome benefits are applicable only if the customer spends ₹2,000 within 30 days.
8. Help the customer complete the Video KYC and card activation.
DON'TS:
1. Do not tell the customer that the minimum FD is ₹10,000.
2. Do not promise a physical card if the FD is less than ₹10,000.
3. Do not say that this is an unsecured credit card.
4. Do not promise welcome benefits without meeting the spend condition.
5. Do not sell this as a zero-deposit card.