Why Promote This Offer

Novio pays $2.50 CPA for every new Indian user who successfully creates an account in the app. Since account creation sits early in the funnel, before FD booking or card issuance, conversion rates are far higher than typical credit card offers.

1. $2.50 on an account creation event is a strong payout for Indian fintech, and Novio's card users transact daily on UPI, which keeps advertiser demand high.
2. Novio is operated by Credilio, a funded Mumbai fintech that distributes cards for 25+ banks and NBFCs, so the brand withstands due diligence from cautious users.
3. Hundreds of millions of UPI users in India cannot get a conventional credit card, and Novio is built precisely for that excluded majority.
4. The qualifying event fires inside the app with no dependency on bank-side approval, so attribution is fast and clean.

Who Should Promote This

Ideal Publisher Profile

Credit card comparison sites, credit score improvement content, personal finance YouTube channels, and UPI cashback communities are the natural fit. Publishers already running card or loan offers can slot Novio in as the option for users rejected elsewhere.

Audience Match

Indians aged 18 to 35 who use UPI daily but lack a credit card or credit history, including students, gig workers, and salaried users in tier 2 to tier 5 towns where Novio is actively expanding.

Traffic Rules

Allowed

• Comparison and review sites
• SEO and content traffic
• YouTube and creator promotions
• Social media and finance communities
• Opted-in email and push traffic
• Native and display advertising
• Approved paid search on generic terms

Not Allowed

• Incentivized or rewarded traffic
• Brand bidding on Novio or Credilio keywords
• Guaranteed card claims without mentioning the fixed deposit
• Targeting users under 18
• Bot, emulator, or duplicate account traffic
• Spam SMS or unsolicited calls
• Non-India traffic

Compliance Note

Creatives must make clear the card is secured against a fixed deposit. Presenting it as an unsecured free credit card violates advertising norms for financial products in India and risks conversion reversals.

Tracking Flow

1. User clicks your tracking link and lands on the Play Store listing.
2. User installs the Novio app on Android.
3. User registers with their mobile number and basic details.
4. The apf_account_creation_success event fires on successful account creation.
5. The conversion is attributed to you and $2.50 is credited.

Tracking Window: 30 days  |  Attribution: Last-click  |  Tracking Method: S2S Postback  |  Deduplication: One CPA per unique new India user

Promotional Tips

• Target searches around credit card without income proof and credit card for students, where Novio is one of the only genuine answers.
• Content explaining how FD-backed cards build a CIBIL score converts readers who were burned by rejections elsewhere.
• Highlight the roughly four hour virtual card issuance, since speed is a major differentiator against traditional bank cards.
• Pair Novio with UPI cashback content, because the card working directly on UPI is unusual and grabs attention.

Payment Methods

Publishers are paid through multiple flexible methods including Crypto, Wise, PayPal, Wire Transfer, and more. Payouts are processed on a Net-30 cycle once your earnings clear the minimum payout threshold. Contact your account manager if you need to set up or change your preferred payment method.