novio: UPI Credit Card for All

Name: novio: UPI Credit Card for All
Rating: 4.52 (6896 reviews)
Author: Credilio Financial Technologies Private Limited

LiveCredilio Financial Technologies Private Limited3 apps · 3.3M installsFinanceFreecom.novio.customer

RuPay Credit Cards | FD-Backed Card | Build Your Credit Score

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Total installs: 2,219,012
Installs / day: +8K
Rating: 4.5★
Released: 29 Mar 2024
Last update: 1 Oct 2026
Countries: 1/30

Install history

exact counter from Google Play

30dAll

Installs per day · last 90 days

Change timeline

1 changesFull history

12 Oct 2026 before
Content rating
EveryoneRated for 3+

Country availability

Live 1Listed, not installable 29Not listed 0

United Arab Emirates

Argentina

Australia

Bangladesh

Brazil

Canada

Colombia

Germany

Egypt

Spain

France

United Kingdom

Indonesia

India4.5

Italy

Japan

Kenya

South Korea

Mexico

Nigeria

Philippines

Pakistan

Poland

Russia

Saudi Arabia

Thailand

Türkiye

United States

Vietnam

South Africa

Show all 30 countries ▾Show top 5 only ▴

Top countries

Country data will be available soon.

We estimate where downloads come from using the app’s position in Google Play’s top charts in about 140 countries. This app is not in any chart we have collected yet; the estimate appears as soon as it is.

Top chart positions

Not in any tracked top chart.

App manifest

Read this app's manifest from Google Play: permissions, declared SDKs, components and AdMob app ID. Saved analysis appears here automatically.

Data safety

declared by the developer on Google Play

No data shared with third parties
Collects data Personal info, Photos and videos, and Device or other IDs
Data is encrypted in transit
You can ask for your data to be deleted

This is the developer's own declaration, summarised from the Play listing. The permissions below show what the app is technically able to access.

Permissions

36 in 12 groups

18 Sensitive11 Notable7 Routine

What this app can do with your phone

Know roughly where you are, using mobile towers and Wi-Fi networks
Know your exact location using GPS, Wi-Fi and mobile networks
Use your camera to take photos and record videos
Record sound using your phone's microphone
See the list of accounts on your phone, like Google or email accounts
See every contact saved on your phone, including names, numbers and emails

IdentitySensitive2

Access to accounts on the device and your personal profile card

See the list of accounts on your phone, like Google or email accountsfind accounts on the device · GET_ACCOUNTS
Add or remove accounts on your device and delete their saved passwordsadd or remove accounts · MANAGE_ACCOUNTS

ContactsSensitive2

Access to the contacts saved on your phone

See the list of accounts on your phone, like Google or email accountsfind accounts on the device · GET_ACCOUNTS
See every contact saved on your phone, including names, numbers and emailsread your contacts · READ_CONTACTS

LocationSensitive2

Access to where your device is, using GPS or network signals

Know roughly where you are, using mobile towers and Wi-Fi networksapproximate location (network-based) · ACCESS_COARSE_LOCATION
Know your exact location using GPS, Wi-Fi and mobile networksprecise location (GPS and network-based) · ACCESS_FINE_LOCATION

SMSSensitive3

Access to read, send, and edit your text messages

Read all text and picture messages stored on your phone or SIM cardread your text messages (SMS or MMS) · READ_SMS
Receive and read incoming text messages, including one-time login codesreceive text messages (SMS) · RECEIVE_SMS
Send text messages from your phone, which may cost you moneysend SMS messages · SEND_SMS

Photos/Media/FilesSensitive2

Access to photos, videos, music and other files stored on your device

Read photos, videos, and other files saved in your phone's shared storageread the contents of your USB storage · READ_EXTERNAL_STORAGE
Add, change or delete photos, videos and other files in your phone's storagemodify or delete the contents of your USB storage · WRITE_EXTERNAL_STORAGE

StorageSensitive2

Access to files, photos and media saved on your phone's storage

Read photos, videos, and other files saved in your phone's shared storageread the contents of your USB storage · READ_EXTERNAL_STORAGE
Add, change or delete photos, videos and other files in your phone's storagemodify or delete the contents of your USB storage · WRITE_EXTERNAL_STORAGE

CameraSensitive1

Access to your camera to take photos and record video

Use your camera to take photos and record videostake pictures and videos · CAMERA

MicrophoneSensitive1

Access to your phone's microphone to record sound

Record sound using your phone's microphonerecord audio · RECORD_AUDIO

PhoneNotable1

Access to phone calls, call history, and voicemail

See your phone number, device IDs, whether a call is active, and the other caller's numberread phone status and identity · READ_PHONE_STATE

Device ID & call informationNotable1

Access to your phone's identifiers, mobile network details, and call status

See your phone number, device IDs, whether a call is active, and the other caller's numberread phone status and identity · READ_PHONE_STATE

Wi-Fi connection informationRoutine1

Access to details about Wi-Fi networks your device sees or uses

See whether Wi-Fi is on and details of the network you are connected toview Wi-Fi connections · ACCESS_WIFI_STATE

OtherSensitive18

Access to miscellaneous device features that don't fit other categories

Show its own windows or bubbles on top of other apps you are usingdraw over other apps · SYSTEM_ALERT_WINDOW
Get sign-in tokens for accounts saved on your phone to use online servicesuse accounts on the device · USE_CREDENTIALS
Change device settings like screen brightness, ringtone or screen timeoutmodify system settings · WRITE_SETTINGS
See Bluetooth settings and connect to paired devices like headphones, speakers or watchespair with Bluetooth devices · BLUETOOTH
Turn Bluetooth on or off and find and pair with nearby Bluetooth devicesaccess Bluetooth settings · BLUETOOTH_ADMIN
Change how your phone connects to networks, like switching connections on or offchange network connectivity · CHANGE_NETWORK_STATE
Connect to or disconnect from Wi-Fi networks and change saved Wi-Fi settingsconnect and disconnect from Wi-Fi · CHANGE_WIFI_STATE
Change volume and choose which speaker or headset plays soundchange your audio settings · MODIFY_AUDIO_SETTINGS
Use NFC to talk with tags, cards and readers held close to your phonecontrol Near Field Communication · NFC
Start itself automatically as soon as your phone finishes turning onrun at startup · RECEIVE_BOOT_COMPLETED
Keep your phone's processor or screen from going to sleep, which can use more batteryprevent device from sleeping · WAKE_LOCK
Download files in the background without showing you a download notificationdownload files without notification · DOWNLOAD_WITHOUT_NOTIFICATION
Check whether you are online and whether you use Wi-Fi or mobile dataview network connections · ACCESS_NETWORK_STATE
Connect to the internet to load content and send datafull network access · INTERNET
Make your phone vibratecontrol vibration · VIBRATE
Check with Google Play that you got this app legitimatelyGoogle Play license check · com.android.vending.CHECK_LICENSE
Read Google service settings stored on your deviceread Google service configuration · com.google.android.providers.gsf.permission.READ_GSERVICES
Receive push messages sent from the app's servers over the internetreceive data from Internet · com.google.android.c2dm.permission.RECEIVE

Read more · all 36 permissions Show less

Sensitive = can reach personal data, location, camera/mic or act on your behalf. Notable = changes how your device behaves. Routine = normal for almost every app. Source: Google Play's permission list for all versions of this app.

Store listing

Download

Full description

RuPay Credit Cards for Every UPI User From daily chai to groceries to movie tickets, now everyone uses UPI. While 45 crore+ people use UPI, less than 5 crore have a credit card. Servicing this gap is novio’s mission. On novio app, we guarantee** a RuPay Credit Card for everyone. No complicated rules. No rejections. Just start a Fixed Deposit and get the most rewarding RuPay Credit Card. Use it for shopping, groceries, food delivery, link it on any UPI app and earn novio coins on UPI payments. Plus, enjoy 45 days of interest-free credit. Bas Fixed Deposit banao, RuPay Credit Card le jaao! Partner Banks: Indian Overseas Bank | DCB Bank | SBM Bank WHO IS NOVIO MADE FOR? novio is crafted for everyone: 🔸 First-time credit card users 🔸 Students & early earners 🔸 Freelancers & gig workers 🔸 Those with no income proof 🔸 Anyone looking to build 750+ credit score WHY CHOOSE NOVIO RUPAY CREDIT CARDS? 🔸 GUARANTEED APPROVAL** No income proof, no credit history, no paperwork. Your small FD unlocks your credit card instantly. 🔸 LIFETIME FREE CARD^ No joining fee, no annual fee^, no hidden charges. ^Refer MITC for individual bank's details 🔸 FREE AIRPORT LOUNGE ACCESS Enjoy free international & domestic airport lounge access* on Fixed Deposit of ₹25,000 & above, on the IOB novio Credit Card & DCB novio Credit Card. 🔸 TRAVEL WITH NOVIO Now book your flight tickets with novio & get a 10% discount* on your first flight booking and a 5% discount* from your second flight onwards. Plus, earn 25% novio Coins! 🔸 ₹23,000* BENEFITS ON TOP BRANDS - Buy 1 Get 1 movie ticket FREE* on BookMyShow - Up to ₹1,000 off on Amazon* - ₹150 off on Zepto* - ₹100 off on Swiggy* - ₹5,000 worth welcome benefits* 🔸 EARN 10% COINS WITH NOVIO UPI & CARD 5% on novio UPI + 5% on novio FD Credit Card = 10% novio coin rewards 🔸 DISCOUNTS ON TOP BRANDS Redeem novio coins for big discounts on 10+ top brands 🔸 FD-BACKED & RBI-INSURED Your FD remains safe and earns up to 7% annual interest. It is also RBI-insured up to ₹5 lakh. 🔸 A SAFER WAY TO USE CREDIT Traditional credit cards make it easy to spend first and worry later. With an FD-backed Credit Card, your limit comes from a Fixed Deposit in your own name. Your money stays safe, earns interest, and sets a clear boundary on how much you can spend. Because when your credit has a real limit, overspending stops, debt doesn’t build, and control comes naturally. 🔸 REFER & EARN Share novio with your friends and both of you get rewarded when their novio credit card is issued. More friends = more rewards. Simple. HOW IT WORKS? 1. Download the novio App 2. Create a Fixed Deposit 3. Complete your quick Video KYC 4. Get your virtual RuPay Credit Card within a day* 5. Spend anywhere, earn rewards, and build your credit score ELIGIBILITY 🔸 Indian National 🔸 Age 18+ READY TO UNLOCK BENEFITS + BUILD CREDIT? Join 34 lakh+ customers who trust novio for the most rewarding RuPay Credit Cards. Your journey to a better credit score and bigger rewards starts here! Download the novio App and get started today! 🚀 *Offers are subject to change **Guaranteed approval is subject to meeting basic eligibility (age, location, internal policy); credit/income profile will not lead to rejection.

What's new

-Minor Improvements and Bug fixes

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