01
SECURE CREDIT CARD
FD Backed RuPay Credit Card
Build your credit journey with a secured card backed by your own fixed deposit. Simple, secure and digital.
Learn More
FD Backed RuPay Credit Card & Growth Opportunity
Empowering individuals with secure, simple and smart financial solutions while creating opportunities to grow through our trusted partner ecosystem.
Secure • Simple • Digital • Growth Focused
D9 Infotech is a customer-focused financial services and distribution platform working around secure financial solutions, digital services, credit solutions and growth opportunities.
Through our trusted partner ecosystem, eligible customers can access the FD Backed RuPay Credit Card along with simple digital financial services — while our referral program creates a structured path to grow together.
A clear purpose. A bigger future for every partner.
"To empower individuals and entrepreneurs with secure, innovative and accessible financial solutions."
"To become a trusted financial partner, creating a future where everyone has the power to achieve more."
Secure credit solutions and digital financial services in one trusted ecosystem.
Build your credit journey with a secured card backed by your own fixed deposit. Simple, secure and digital.
Learn MorePay utility bills and recharge with ease through a unified Bharat Bill Payment experience. Conditions may apply.
Learn MoreTake your products and services online and reach more customers with guided digital commerce support.
Learn MoreExplore suitable loan options with simple guidance. Eligibility and approval subject to applicable terms.
Learn MoreProud partner of novio | SBM bank.
Credit solutions backed by fixed deposits.
Credit limit can be up to 90% against eligible FD.
Simple and convenient digital process.
Multiple income and reward opportunities.
Support and guidance throughout your journey.
One simple package — clearly broken down, with zero confusion.
TOTAL PACKAGE AMOUNT
₹2399
Single transparent package • Referral income calculated on the ₹599 fund
₹2000
FD AMOUNT
For Self Use
₹399
JOINING AMOUNT
For Referral Program
₹200
D9 INFOTECH BONUS
From Our Side
₹599
₹399 user contribution + ₹200 D9 Infotech contribution
Five structured benefit streams inside one powerful program.
01
20%
From the ₹599 referral program fund
02
100%
Fast-start benefit for quick achievers
03
15 Lvls
Earn more at every level
04
5 Ranks
Income from pool per rank
05
No Limit
Gifts, cash, bike & car rewards
A structured plan — easy to understand, exciting to build on.
Earn 20% referral income from the ₹599 referral program fund for every eligible direct referral you introduce.
Move fast and get rewarded. Make 4 direct active IDs within 30 days from the date your own ID is activated.
Earn More at Every Level — as your team grows deeper, so does your income.
Climb higher. Earn deeper. Get recognised.
RANK 01
RANK 02
RANK 03
RANK 04
RANK 05
After achieving the applicable rank, income is earned per active ID / FD anywhere in the team at any level — this is team-wide recognition income, not only direct-team income.
Achieve Sales Executive rank with 25 direct active FDs.
₹40 × 100
=
₹4,000
Illustrative example based on program structure. Not guaranteed income — conditions may apply.LEVEL 1
Sales Executive
LEVEL 2
Sales Manager
LEVEL 3
Area Manager
LEVEL 4
Zonal Manager
LEVEL 5
Zonal Head
Every rank unlocks bigger recognition. Build your team, hit your milestones and enjoy rewards with no time limit.
From package to rewards — follow the path.
STEP 01
Get started with one simple package.
₹2399
STEP 02
Your fixed deposit stays for your own use.
₹2000
STEP 03
Your contribution activates the referral program.
₹399
STEP 04
An extra bonus added from our side.
₹200
STEP 05
₹399 + ₹200 forms your referral program fund.
₹599
STEP 06
Invite others and grow your active team.
STEP 07
Unlock referral, boosting and level income.
STEP 08
Achieve ranks and unlock recognition income.
STEP 09
Progress toward rewards and awards.
One flow — from active ID to rewards & awards.
Clear rules. No hidden surprises.
01 • PLATFORM FEE
₹399
Platform fee is ₹399 only.
02 • REFERRAL WITHDRAWAL
Every Day
Available every day.
03 • TEAMWORKING WITHDRAWAL
Monday
Available every Monday.
04 • TDS & ADMIN CHARGE
05 • SETTLEMENT
6 Hours
Every withdrawal settlement within 6 hours.
Visit us — we'd love to meet you.
Everything you need to know about D9 Infotech.
D9 Infotech is a customer-focused financial services and distribution platform working around secure financial solutions, digital services, credit solutions and growth opportunities — a proud partner of novio | SBM bank.
It is an FD-backed RuPay credit card offered through our partner ecosystem. The card is secured against your fixed deposit, and the credit limit can be up to 90% against eligible FD, subject to applicable terms.
The total package is ₹2399: ₹2000 goes to your FD for self use, and ₹399 is your referral-program joining contribution. D9 Infotech adds ₹200 from our side — so you never pay more than ₹2399.
The ₹599 fund = ₹399 user contribution + ₹200 D9 Infotech contribution. This fund is the base for referral income calculations.
You earn 20% referral income from the ₹599 referral program fund — not from the total ₹2399 package amount.
Make 4 direct active IDs within 30 days from your own ID activation date, and you receive your ₹399 referral contribution back as a 100% boosting benefit.
L1 – 20%, L2 – 15%, L3 – 10%, L4 – 10%, L5–L9 – 5%, L10–L15 – 3%. Earn more at every level as your team grows.
After achieving the applicable rank, you earn income from pool per active ID / FD anywhere in your team at any level — team-wide recognition income, not only from your direct team.
Sales Executive: 25 direct FD / ID active (₹40/ID) • Sales Manager: 2 Sales Executives promoted (₹30/ID) • Area Manager: 2 Sales Managers promoted (₹15/ID) • Zonal Manager: 2 Area Managers promoted (₹10/ID) • Zonal Head: 2 Zonal Managers promoted (₹5/ID).
No — there is no time limit. Achieve ranks at your pace and unlock rewards from T-Shirt + Bag up to Car Down Payment + a 3 Days / 2 Nights tour package.
Referral withdrawals are available every day, subject to applicable terms.
Teamworking withdrawals are available every Monday, subject to applicable terms.
TDS: 2.5% and Admin charge: 3% apply. Every withdrawal settlement is completed within 6 hours.