SBM ZET Credit Card Benefits: Cashback, UPI & Credit Score
Looking for a credit card that can help you build your credit score, make UPI payments and enjoy cashback and discounts? The SBM ZET Credit Card is an FD-backed RuPay credit card designed for people who may have limited or no credit history.
The card currently offers a lifetime-free structure with zero joining and annual fees, while the required fixed deposit starts from ₹2,000 according to ZET's current card information.
👉 Interested in the SBM ZET Credit Card? Apply / Check Eligibility Here
⭐ Top Benefits of the SBM ZET Credit Card
1. FD-Backed Credit Card
The SBM ZET Credit Card is secured against a fixed deposit with SBM Bank. ZET currently states that the FD can start from ₹2,000, making the card accessible to people who may find it difficult to obtain an unsecured credit card.
2. Lifetime Free Credit Card
One of the biggest attractions is that the card has ₹0 joining fee and ₹0 annual maintenance fee under the current SBM ZET terms.
3. Build Your Credit Score
Responsible use of the card—especially paying your bills on time—can help you establish and strengthen your credit history. ZET markets the card specifically as a tool for building a 750+ credit score. However, reaching any particular score is not guaranteed for every customer.
4. UPI Payments
The ZET card supports UPI payments, allowing eligible users to use their RuPay credit card for everyday UPI transactions. ZET currently advertises 2% cashback on ZET UPI payments with an active ZET Plus subscription.
👉 Check the SBM ZET Credit Card offer here: https://bitli.in/3GJxct1
5. Cashback & Brand Discounts
The ZET platform currently advertises rewards and discounts across popular brands, including:
Up to 15% cashback on 80+ brand vouchers
5% cashback on Amazon Pay and Flipkart vouchers
Up to 20% discounts on selected Swiggy, Zomato, BookMyShow and Instamart offers
These offers can change, so always check the latest terms inside the ZET app before making a purchase.
6. Up to 45 Days Credit-Free Period
The SBM ZET KFS states a credit-free period of up to 45 days, depending on the billing cycle and transaction date.
This can be useful for managing regular expenses—as long as you pay the total outstanding amount by the due date.
7. FD Interest
ZET currently advertises up to 7% interest on the SBM Bank fixed deposit associated with the card. The applicable rate and conditions should be confirmed at the time of opening the FD.
💳 How Much Credit Limit Can You Get?
According to SBM Bank's current ZET card documentation, the maximum card limit can be up to 90% of the FD amount.
For example, if the applicable FD is ₹10,000, the potential credit limit could be up to approximately ₹9,000, subject to the issuer's terms.
👤 Who Can Consider the SBM ZET Credit Card?
The card may be worth considering if you:
Are new to credit
Want to build a credit history
Prefer an FD-backed credit card
Want to use a RuPay credit card with UPI
Want a card with no annual maintenance fee
Want access to cashback and shopping offers
👉 Want to explore the card? Check SBM ZET Credit Card here
⚠️ Important Charges to Know
A lifetime-free card does not mean every transaction is free.
According to SBM Bank's current documentation, the ZET card has an ATM cash-withdrawal charge of 3.5% of the withdrawal amount or ₹300, whichever is higher. The documented interest rate for POS/e-commerce transactions after the credit-free period is 3.5% per month (42% p.a.).
Therefore, avoid using the card for cash withdrawals and always try to pay the full credit-card bill on time.
📌 Final Verdict
The SBM ZET Credit Card can be an interesting option for someone looking for an FD-backed credit card with UPI functionality, cashback offers and credit-building benefits.
Its biggest advantages are the ₹0 joining fee, ₹0 annual fee, low starting FD requirement, UPI functionality and access to various cashback/discount offers.
However, credit cards should be used responsibly. Paying only the minimum amount can result in significant interest charges, so paying the full bill before the due date is generally the smarter approach.
🚀 Ready to Check the SBM ZET Credit Card?
Check the latest eligibility, FD requirement and available offers before applying.
👉 Check SBM ZET Credit Card & Apply Here
Disclaimer: Credit-card fees, cashback offers, subscription requirements, interest rates and eligibility criteria can change. Please verify the latest terms with SBM Bank/ZET before applying. Approval and credit-score outcomes are subject to the issuer's terms.
0 Comments