The SBM Credilio Credit Card, backed by a fixed deposit, offers a smart way to access credit while minimizing financial risk. By linking the card to UPI, you can easily use it for everyday purchases, helping you build a solid usage history. Timely payment of your credit card bills not only helps avoid fees but also boosts your credit score over time. To stay on top of your financial growth, regularly tracking your credit score is essential. This combination of responsible usage and monitoring sets the foundation for a strong and healthy financial future.