RechargeFox: Up to ₹1,800 Cashback on SBM Credilio RuPay Credit Card with FD

At a glance

This is an advertised RechargeFox promotion for the SBM Credilio RuPay Credit Card. The merchant page confirms the FD-linked application flow and lists rewards of ₹300 on a ₹2,000 FD, ₹1,100 on a ₹5,000 FD, or ₹1,800 on a ₹25,000 FD. It does not show a product-bound selling price or confirm that every applicant will receive cashback, so treat the reward as conditional rather than guaranteed.

Quick facts

• Card: SBM Credilio RuPay Credit Card
• FD options: ₹2,000, ₹5,000 or ₹25,000
• Advertised cashback: ₹300, ₹1,100 or ₹1,800 respectively
• Fees: The page states no joining fee and no annual fee
• Application: Register in the app, choose the card, create the FD and complete Video KYC
• Other advertised benefits: 7% FD interest, UPI/POS rewards and possible cash withdrawal of up to 50% of the FD amount

The page does not display an ordinary purchase price because this is an FD-backed credit-card application. The fixed deposit is the money you need to commit, not a discount price for the card.

Product overview

The SBM Credilio card is presented as a RuPay credit card issued against a fixed deposit. The observed promotion page says that applicants can choose an FD amount and receive a card after completing basic details, payment and Video KYC. It also advertises no income-proof and no credit-score requirement, but eligibility, approval and issuance remain subject to the issuer and the application process.

The page lists rewards described as 5x on other UPI or POS spending and 10x on fuel through UPI, with five coins worth ₹1. Those reward details should be checked in the card and app terms before applying because the page does not establish their cash value for every transaction.

Reasons to consider

An FD-backed card may suit someone building a credit history or seeking a secured card with a relatively low starting deposit. The ₹2,000 option lowers the initial commitment compared with the larger tiers, while the page also advertises no joining or annual fee and interest on the FD. The cashback tiers are clearly stated on the promotion page, making the potential reward easy to compare with the deposit amount.

Pros and cons

Pros

• ₹2,000 minimum FD option is advertised.
• The page states no joining fee and no annual fee.
• FD interest and RuPay rewards are advertised.
• May be useful for applicants without conventional income or credit-score documentation.

Cons

• Cashback is conditional and not independently confirmed as guaranteed.
• A fixed deposit is required and may remain tied up under issuer rules.
• Duplicate, suspicious or self-referral activity can lead to cashback rejection.
• Reward conversion, exclusions, withdrawal rules and final card approval need checking.

Buyer fit

Consider this only if you want an FD-backed credit card and are comfortable locking the required deposit under the issuer's terms. It is less suitable if you need immediate, guaranteed cashback, do not want to complete Video KYC, or cannot accept restrictions on the deposit. Applicants should also verify the issuer's current terms, card limits, reward exclusions and the exact timeline for cashback before paying the FD.

Final verdict

This is a potentially useful secured-card lead, especially for someone who needs a low-deposit route to a RuPay credit card. However, the cashback and reward claims remain conditional, and no product-bound price evidence is present. Proceed only after confirming the issuer, FD lock-in, fees, reward eligibility and cashback settlement terms on the application screen.