RechargeFox: Up to ₹1,500 Cashback on SBM Credilio RuPay Credit Card via Fixed Deposit

At a glance

RechargeFox is running a promotional flash sale offering up to ₹1,500 cashback for issuing an SBM Credilio RuPay Credit Card against a fixed deposit (FD). Deposit options start from ₹2,000 with ₹600 cashback, or ₹5,000 with ₹1,500 cashback. Because structured e-commerce product markup is absent, this financial service offer is treated as partially verified based on campaign landing details.

Quick facts

• Promoter / Platform: RechargeFox
• Card Issuer / Product: SBM Bank / Credilio RuPay Credit Card
• Fixed Deposit Tiers: ₹2,000 (₹600 cashback), ₹5,000 (₹1,500 cashback)
• FD Interest Rate: 7% per annum
• Eligibility: No CIBIL credit score or income proof required
• Fee Structure: Lifetime Free (No joining or annual fee)

Product overview

The SBM Credilio RuPay Credit Card is a secured credit card backed by a fixed deposit held with SBM Bank. It is designed for individuals looking to build or repair their credit score or access credit card perks without traditional income documentation. The card operates on the RuPay network, allowing seamless integration with UPI apps for everyday digital payments. Users earn interest at 7% per annum on their deposited capital while using the credit line generated by that deposit.

Reasons to consider

• Guaranteed Approval: Requires no income documentation or CIBIL credit score history, making it accessible to students and self-employed individuals.
• FD Interest Earnings: Deposits earn 7% per annum interest while serving as collateral for the credit limit.
• UPI Integration: As a RuPay credit card, it can be linked to standard Indian UPI applications for routine vendor payments.
• Significant Upfront Cashback: Receiving ₹1,500 cashback on a ₹5,000 deposit provides a substantial initial return relative to the committed amount.

Why consider it

• Guaranteed Approval: Requires no income documentation or CIBIL credit score history, making it accessible to students and self-employed individuals.
• FD Interest Earnings: Deposits earn 7% per annum interest while serving as collateral for the credit limit.
• UPI Integration: As a RuPay credit card, it can be linked to standard Indian UPI applications for routine vendor payments.

Pros and cons

Pros:

• Up to ₹1,500 initial cashback payout via RechargeFox.
• Lifetime free card with zero annual or joining fees.
• Helps build CIBIL credit history through regular payments.
• 7% interest return on fixed deposit.

Cons:

• Payout requires strict adherence to tracking terms (one reward per user/IP/device).
• Capital is tied up in a fixed deposit to secure the credit limit.
• Final cashback eligibility depends on third-party verification by RechargeFox and merchant validation.

Buyer fit

This offer is best suited for users looking to obtain a RuPay UPI credit card without submitting income proof or undergoing strict credit checks.

Who should buy it

This offer is best suited for users looking to obtain a RuPay UPI credit card without submitting income proof or undergoing strict credit checks. It is particularly appealing for those willing to lock in a modest fixed deposit (such as ₹2,000 or ₹5,000) to receive immediate cashback rewards alongside credit-building benefits.

Final verdict

If you are already looking for a secured RuPay credit card to use with UPI and build your credit profile, registering through this RechargeFox campaign offers an attractive bonus of up to ₹1,500 cashback. Ensure you complete the required Video KYC and deposit steps in a single uninterrupted session while following all verification rules.