RechargeFox: Up to ₹1,800 Cashback on SBM Credilio RuPay Credit Card via Fixed Deposit

At a glance

A campaign page on RechargeFox is promoting the SBM Credilio RuPay credit card — a secured card issued against a fixed deposit — with headline cashback of ₹600 on a ₹2,000 FD, ₹1,500 on a ₹5,000 FD and ₹1,800 on a ₹25,000 FD. The offer page itself confirms these cashback tiers, the no-credit-score positioning and the 7% FD interest, but several extra perks in circulation (Amazon discount, BookMyShow/Swiggy/Zepto monthly offers) are advertised claims we could not confirm on the page. The advertised validity runs to 30 September, so this is a last-day lead — verify live status before applying.

Quick facts

• Product: SBM Credilio RuPay credit card, issued against a fixed deposit
• Cashback: ₹600 (₹2,000 FD), ₹1,500 (₹5,000 FD), ₹1,800 (₹25,000 FD)
• Card fee: advertised as lifetime free, no joining or annual fee
• FD interest: 7% as stated on the offer page
• Rewards: 5x on general UPI/POS spends, 10x on fuel via UPI; 5 coins = ₹1
• Cash withdrawal: up to 50% of the FD amount
• Validity: advertised through 30 September; one offer per user/UPI ID/device/IP

Product overview

This is a secured credit card: you open a fixed deposit with SBM Bank via the Credilio app flow, and the FD backs your credit limit. Because the deposit is the collateral, no income proof or CIBIL score is required — which makes it a common entry point for people building a credit history. The campaign page confirms the steps: submit your UPI ID and mobile number, download the app, pick the SBM Credilio RuPay card, choose the FD amount, pay, complete video KYC, and the card is issued.

The cashback itself is paid by RechargeFox as a campaign reward, not by the bank. The page's own terms say the merchant verifies each account and can reject cashback for duplicate, suspicious or fraudulent sign-ups, and that RechargeFox can disapprove the payout at its discretion. In other words, the deposit gets you the card for certain, but the cashback is conditional.

Reasons to consider

• The ₹2,000 tier is a low-commitment way to get a working RuPay credit card plus ₹600 back — roughly a third of the deposit returned as cashback if it pays out.
• 7% interest on the FD means the parked money is not idle; combined with cashback on the ₹5,000 tier, the effective first-year return is unusually high for a secured card.
• No credit score requirement plus credit bureau reporting makes it genuinely useful for someone with no or thin credit history.
• RuPay on UPI lets you pay merchants by QR and still earn card-style rewards (5x/10x per the page).

Pros and cons

Pros

• No credit score or income proof needed — FD is the security
• Lifetime free, per the offer page
• Cashback tiers confirmed on the campaign page itself
• FD keeps earning 7% and can be partially withdrawn (up to 50%)
• Builds credit history while you spend

Cons

• Cashback is a third-party campaign payout that can be rejected or disapproved — not a bank guarantee
• Strict anti-duplicate terms: one per user/UPI ID/IP/device
• Extra perks in circulation (Amazon 5% off, monthly BookMyShow/Swiggy/Zepto offers, ₹5,000+ vouchers) were not visible on the offer page we read
• Your money stays locked as an FD for as long as you hold the card
• Advertised deadline of 30 September means the campaign may already have ended by the time you read this

Buyer fit

Best suited to first-time cardholders, students, or anyone rebuilding credit who can park ₹2,000–₹5,000 without needing it back soon. It is less attractive if you want a premium card, instant liquidity, or a cashback payout you can fully rely on — the reward depends on the campaign operator's verification.

Final verdict

The core offer — cashback for taking an FD-backed RuPay card — is confirmed on the campaign page, and at the ₹2,000 tier the risk is modest since the deposit remains yours and earns interest. The sensible play is the smallest FD that still qualifies for meaningful cashback; treat the ₹1,500/₹1,800 tiers and the unconfirmed brand perks as upside, not promises. Confirm the flash sale is still live before starting the application.