RechargeFox Credilio RuPay Credit Card: ₹1,300 Cashback on ₹5,000 FD

Quick facts

The campaign page confirms the two cashback amounts above. The promotion also advertises fuel vouchers, an in-app ₹200 reward and monthly spending conditions, but those details were not confirmed on the page reviewed. Treat them as advertised, not guaranteed.

Product overview

This is a RuPay credit-card offer linked to a fixed deposit. The campaign page says applicants can choose a fixed-deposit tier, then complete app registration and video KYC before the card is issued. It lists no joining fee, no annual fee, 7% interest on the FD, and reward earning on eligible spends.

The page is a campaign landing page rather than a full card agreement. It does not provide enough detail to independently assess the issuer, reward exclusions, settlement timeline, closure process or all charges. Read the issuer's official terms and the FD disclosures before transferring money.

Why consider it

The ₹1,300 cashback tier could be attractive if the cashback is actually paid and you already want a secured RuPay card. Relative to the ₹5,000 FD, that is a large advertised reward, while the FD is presented as earning interest. The ₹2,000 tier offers a lower-commitment entry point with ₹300 advertised cashback.

The page also says no credit score or income proof is required, which may suit someone seeking a secured card. However, these are campaign-page statements, and the practical value depends on approval, the exact FD terms, reward eligibility and how quickly rewards arrive.

Pros and cons

Who should buy it

Consider it only if you need a secured RuPay card, can leave the chosen FD amount committed under the applicable terms, and are comfortable completing KYC. The ₹2,000 tier is the more conservative starting point; the ₹5,000 tier has the higher advertised cashback but also ties up more money.

Skip it if you are applying solely for the fuel vouchers or ₹200 app reward, since those benefits were not confirmed on the campaign page reviewed. Also avoid proceeding until you have checked the official issuer identity, FD withdrawal rules, card charges, reward exclusions and the campaign's payout conditions.

Final verdict

This is a potentially worthwhile secured-card lead, not a confirmed free-fuel deal. The landing page supports the ₹300 and ₹1,300 cashback figures, but the headline fuel benefits and app reward remain advertised only. At a score of 58/100, it is worth considering for someone who already wants the card and accepts the FD and KYC requirements; it is not strong enough to recommend purely for the promotional extras. Verify every term at the destination before applying.