Introducing the SBM Credilio Credit Card: Guaranteed approval with an FD. Hey Guys if you don't have cibil score and want to generate it, If you don't want to pay to joining fees of a credit card but want a Credit Card then this credit card is only for you. Apply Credilo Credit Card which is based on FD. Create an FD and get your credit card instantly. You will get up to a 7% interest rate on your FD. On above you will get 1% unlimited cashback on all spending. Help of this credit card you can generate your CIBIL score and also you can set your credit card limit. Plus, enjoy no credit checks, documents, or income proofs required. Build your credit score effortlessly and enjoy financial freedom with SBM Credilio.