RechargeFox RuPay UPI Credit Card (FD-Backed, No Credit Check) – Up to ₹1,500 Cashback

At a glance

• Claim: Lifetime free RuPay UPI credit card with no credit score needed, issued against a fixed deposit (FD) and generous cashback for new applications.
• Apply with ₹2,000 FD to get ₹600 cashback, or ₹5,000 FD for ₹1,500 cashback (as advertised).
• The official landing page confirms no credit score required, secured by FD, but does not verify cashback or price in merchant-issued evidence; all offers are source-claimed.
• Perks include 5% Amazon off, BookMyShow B1G1, ₹100 Swiggy/Zepto discounts, up to 10% UPI rewards (all claimed).

Quick facts

• Card: RuPay UPI Credit Card, SBM Credilio (FD-backed)
• Who can apply?: Anyone—no CIBIL/income proof; must complete FD & VKYC
• Cashback: ₹600 (₹2,000 FD), ₹1,500 (₹5,000 FD)—advertised, not verified
• Other benefits: 5% Amazon, B1G1 BookMyShow, Swiggy/Zepto ₹100/mo, 7% FD interest, up to 10% UPI rewards (claimed)
• Card Fee: Lifetime free

Product overview

RechargeFox partners to offer an FD-backed RuPay UPI credit card (SBM Credilio) with low entry criteria—no prior credit history or CIBIL needed. Application involves FD creation, KYC, and the process is described in detail on the offer page. High introductory cashback and recurring merchant reward benefits are advertised to drive sign-ups.

Reasons to consider

• Build or start your credit profile, with minimal requirements
• Claimed high cashback on first FD—potentially offsetting much of the deposit risk
• Claim of regular benefits at Amazon, BookMyShow, Swiggy, and Zepto
• Advertised 7% FD interest, and FD acts as your card's credit limit

Pros and cons

Pros:

• No joining/annual fee claimed
• No credit check; open to most users
• Multiple merchant deals advertised
• Recurring rewards if honored

Cons:

• All cashback/perks are source-claimed, not verified by merchant price evidence
• Payout limited to one use per user/UPI/device/IP; strict anti-fraud rules
• Cashback/approval always at merchant discretion per T&Cs and may be denied
• No concrete verified amount or price on merchant page

Buyer fit

A suitable starting card for users seeking to build credit with secured collateral, or those comfortable with source-claimed cashback. Not ideal for those needing price/cashback guarantees or unwilling to accept payout risk.

Final verdict

RechargeFox flashes a strong consumer pitch—lifetime free credit card, high cashback, and retail perks—all aimed at first-time or low-credit users. However, price/cashback/rest of the rewards are only listed as The listing claims, absent official merchant verification. Buyer caution is urged: read T&Cs closely, know the risk of non-payment, and use only if you value the credit-building aspect.