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

At a glance

RechargeFox is advertising a flash-sale cashback offer on the SBM Credilio RuPay credit card, a lifetime-free, FD-backed card that does not require a credit score or income proof. The offer page lists ₹600 cashback for a card issued with a ₹2,000 fixed deposit, ₹1,500 with a ₹5,000 FD, and ₹1,800 with a ₹25,000 FD. The advertised deal is time-limited — the listing says it is valid for card issues until 30 September — and cashback is paid only after the application, FD payment and video KYC are completed and approved. Note that the cashback figures and benefits come from the offer listing itself; we could not independently verify a selling price because this is a financial product application rather than a retail product page.

Quick facts

• Product: SBM Credilio RuPay credit card, issued against a fixed deposit
• Advertised cashback: ₹600 (₹2,000 FD), ₹1,500 (₹5,000 FD), ₹1,800 (₹25,000 FD)
• Fees: listed as no joining fee and no annual fee (lifetime free)
• FD returns: the listing advertises 7% interest on the fixed deposit, which also sets the credit limit
• Rewards: 5x rewards on UPI/POS spends, 10x on fuel via UPI, with 5 coins equalling ₹1
• Other listed benefits: cash withdrawal up to 50% of the FD amount
• Deadline: advertised as valid until 30 September for card issues
• Eligibility limits: one offer per user, UPI ID, IP address and device; genuine Indian mobile number and email required

Product overview

The SBM Credilio RuPay credit card is a secured credit card: you open a fixed deposit and receive a credit limit backed by that deposit. Because the card is FD-backed, the listing says no credit score or income proof is needed, which makes it accessible to first-time borrowers or people rebuilding a credit history. The FD continues to earn interest — the page advertises 7% — while the card can be used for UPI and point-of-sale payments, and responsible repayment can help build a credit score over time.

The RechargeFox campaign adds a one-time cashback incentive on top: submit your details through the campaign page, register in the app, choose the SBM Credilio RuPay card, make the FD payment and complete video KYC. The cashback tier depends on the FD amount you select.

Reasons to consider

• The entry cost is low: a ₹2,000 FD is enough to get the card, and the deposit is still yours, earning interest.
• The advertised cashback is meaningful relative to the deposit — ₹1,500 back on a ₹5,000 FD is a strong headline return before counting FD interest or rewards.
• A lifetime-free RuPay card with UPI support is convenient for small, everyday payments.
• FD-backed cards are one of the few options when a regular unsecured card is not available due to a thin or poor credit file.

Pros and cons

Pros

• No credit score or income proof required, per the listing
• No joining or annual fee
• Fixed deposit earns advertised 7% interest and sets the credit limit
• Tiered cashback up to ₹1,800 for the largest listed FD

Cons

• Cashback is conditional: approved once per user/UPI ID/IP/device, and the operator can reject cashback for duplicate or suspicious registrations
• The card is issued through a third-party app flow rather than directly on a bank page, so terms should be read carefully
• Rewards are denominated in coins (5 coins = ₹1), so real-world earn rates may be modest
• The ₹25,000 FD tier's ₹1,800 cashback is a lower relative return than the ₹5,000 tier

Buyer fit

This suits someone who cannot get a regular credit card, wants a UPI-enabled RuPay card, and is comfortable locking funds into a fixed deposit. It is a poorer fit if you already qualify for mainstream cashback cards with stronger ongoing rewards, or if you are unwilling to complete video KYC and keep an FD open. Pick the FD tier carefully: the ₹5,000 FD advertised at ₹1,500 cashback offers the best headline ratio among the listed options.

Final verdict

As advertised, this is a genuinely strong sign-up incentive for an FD-backed RuPay card — particularly the ₹5,000 FD tier at ₹1,500 cashback. However, the cashback is paid by the campaign operator under strict anti-duplicate terms and could not be independently verified against a bank page, so treat the figures as advertised, follow the application steps exactly, and keep screenshots of the offer terms before you submit.