SBM Credilio RuPay Credit Card: ₹400–₹1,300 Cashback on ₹2,000–₹5,000 FD via RechargeFox Offer

At a glance

A promotion on RechargeFox advertises cashback for applying to the SBM Credilio RuPay credit card, an FD-backed card that requires no credit score. The listed offer is ₹400–₹500 cashback on a ₹2,000 fixed deposit or ₹1,200–₹1,300 cashback on a ₹5,000 fixed deposit. Important caveat: this is a third-party rewards page, not the card issuer's site, and its own terms say cashback can be disapproved at RechargeFox's discretion — treat the amounts as advertised, not guaranteed.

Quick facts

• Card: SBM Credilio RuPay credit card (secured, FD-backed)
• Deposit required: ₹2,000 or ₹5,000 fixed deposit
• Advertised cashback: ₹400–₹500 (₹2,000 FD) or ₹1,200–₹1,300 (₹5,000 FD)
• Listed card terms: no joining or annual fee, 7% interest on the FD, credit limit against the deposit
• Listed rewards: 5x on UPI/POS spends, 10x on fuel via UPI, monthly BookMyShow buy-1-get-1, vouchers
• Payout timing: cashback listed as arriving after 5 working days post video-KYC

Product overview

The Credilio RuPay card is a secured credit card issued against a fixed deposit with SBM Bank. Because the FD backs the credit line, no CIBIL score or credit history is required — the deposit itself is the collateral, and it earns a listed 7% interest while the card is in use. The RechargeFox page describes an application flow of submitting details, creating the FD, completing video KYC, and receiving the card, with cashback credited separately by RechargeFox.

Why consider it

• A secured card is one of the few realistic ways to start building credit history with no existing score.
• The FD is not a fee — it remains yours and earns listed 7% interest, with the card limit drawn against it.
• The listed card is lifetime free, so the main commitment is the locked deposit, not recurring charges.
• If the cashback pays out, it meaningfully offsets the opportunity cost of the small FD.

Pros and cons

Pros

• No credit score required; accessible to first-time cardholders
• FD earns interest and can be partially withdrawn (50% listed)
• No joining or annual fee

Cons

• Cashback is paid by RechargeFox, not the bank, and its terms explicitly allow it to reject cashback for suspected duplicates or at its discretion
• Rigid eligibility: one offer per user, UPI ID, IP address and device
• Cash withdrawal against the FD is capped and reward-coin conversion (5 coins = ₹1) makes headline '10x rewards' worth less than it sounds

Who should buy it

Suits someone with no credit history who wants a low-risk first card and is comfortable parking ₹2,000–₹5,000 in a deposit. Poor fit for anyone counting on the cashback to justify applying — treat it as a possible bonus, not a certainty, and read RechargeFox's terms before submitting personal details and completing KYC through a third-party offer page.

Final verdict

The underlying product — a lifetime-free, FD-backed RuPay card — is a reasonable credit-building tool, and the offer page confirms the advertised cashback structure. But the cashback itself is discretionary and paid by the offer site, so apply only if the card makes sense for you on its own merits.