SBM Credilio RuPay Credit Card via RechargeFox: Up to ₹1,800 Cashback on FD-Backed Card (No Credit Score Needed)

At a glance

RechargeFox is running a flash-sale campaign for the SBM Credilio RuPay credit card — a lifetime-free, FD-backed card that requires no credit score or income proof. The campaign page advertises cashback of ₹600 on a ₹2,000 FD, ₹1,500 on a ₹5,000 FD and ₹1,800 on a ₹25,000 FD once the card is issued. Important: the cashback is paid by RechargeFox as a referral incentive, not by the bank, and the destination page is a promotional campaign page rather than the card issuer's own site.

Quick facts

• Card: SBM Credilio RuPay credit card, issued against a fixed deposit
• FD options listed: ₹2,000 / ₹5,000 / ₹25,000
• Advertised cashback: ₹600 / ₹1,500 / ₹1,800 respectively
• No joining fee, no annual fee, no credit score required
• FD earns 7% interest; credit limit is linked to the FD amount
• Cash withdrawal up to 50% of the FD amount is advertised
• Rewards: 5x on UPI/POS spends, 10x on fuel via UPI; 5 coins = ₹1
• Offer valid once per user/UPI ID/IP/device

Product overview

This is a secured credit card: you open a fixed deposit with SBM Bank through the Credilio app, and the card's credit limit is backed by that deposit. Because the FD is the collateral, no CIBIL score or income proof is needed, which makes it a common entry point for people building a credit history. The FD continues to earn 7% interest while it backs the card. The campaign page confirms the flow: register in the app, select the SBM Credilio RuPay card, choose an FD amount, pay, complete video KYC, and the card is issued.

Reasons to consider

• A genuine route to a credit card if you have no credit history or a low score.
• The FD is not a fee — it earns 7% interest and can be partially withdrawn (up to 50%).
• RuPay on UPI means you can use the credit line for UPI payments, with advertised rewards on UPI and fuel spends.
• The advertised RechargeFox cashback (₹600–₹1,800) can exceed typical sign-up incentives if it is paid out as promised.

Pros and cons

Pros

• Lifetime free: no joining or annual fee
• Accessible without a credit score
• FD keeps earning interest and can build a credit score
• RuPay UPI compatibility with tiered rewards

Cons

• Cashback depends on RechargeFox's own verification; the page itself warns it can reject cashback for duplicate or suspicious activity
• Your money is locked into an FD as collateral
• Rewards are in coins (5 coins = ₹1), so real reward value is modest
• The bank's own terms for the card are not shown on this page

Buyer fit

Best for first-time card users, students, or anyone rebuilding credit who can spare ₹2,000–₹5,000 in a fixed deposit. Less useful if you already hold unsecured cards with stronger reward rates, since the deposit lock-in and coin-based rewards add friction.

Final verdict

Worth considering if you specifically need a no-credit-score, FD-backed card and treat the RechargeFox cashback as a bonus rather than a guarantee. Verify the cashback crediting terms inside the RechargeFox app before depositing, and read SBM Bank/Credilio's own card terms for fees on cash withdrawals and reward redemption. If the cashback is your only motivation, weigh it against locking up the FD.