September 1, 2025 · 11 mins read
Santosh Kumar
Credit cards are widely used in all parts of the world as they can be conveniently used anytime and in any place. Credit cards are tailored to meet the diversified needs of today’s population. New technologies are coming up daily for the convenience of customers. A milestone in today’s digital revolution is the collaboration of various banks with Fintech companies. Such partnerships lead to new innovations in finance and digital industries by offering new products and reaching a much wider range of customers.
One such collaboration is the SBM ZET credit card. SBM, also known as State Bank of Mauritius, approved by the RBI, since its inception, has come a long way by establishing its presence in all major cities of India. The ZET app is one of the fastest-growing apps in our country. It helps customers to make money faster by selling their products and services, without any investment. SBM Bank has partnered with the ZET app to bring the SBM ZET credit card to the not-so-privileged population with no or low credit history.
In India, according to the latest statistics, approximately 50% of people have no access to credit cards, mainly due to low credit history or a low-income background. Low credit scores limit one’s chances for further loan approvals for making purchases like a house, property, etc. Unlike other credit cards, anyone can apply for an SBM ZET credit card, as it does not require any income proof while applying. The only requirement is that customers should have a fixed deposit (FD) of at least 5000 INR with SBM Bank.
Customers may have several questions regarding how to activate their SBM ZET credit card instantly. Firstly, let us know about the advantages of the SBM ZET credit card.
SBM ZET credit cards are apt for the younger population, who are in their first jobs or are yet to start earning. These credit cards come with a preapproved credit limit, are easy to use and financially secure, and younger adults can set a limit on their expenses. Paying bills on time, managing their own credit cycle, and avoiding late payments or penalties ensures financial discipline.
Also Read: Why Is EMI Option Not Available on My Credit Card?
1: Easy to use, can be used anywhere and at any time.
2: No income proof is needed while applying.
3: Anyone can activate the SBM ZET credit card and start using it, such as students, housewives, or those who do not have a steady source of income. Only one has to learn how to activate the SBM ZET credit card.
4: No joining fees, annual fees, renewal fees, or other hidden charges.
5: These credit cards can be used both online and offline, in any part of the world.
6: THE SBM ZET credit card can easily be linked to other UPI apps, thus helping in seamless transactions.
7: Comes with a host of benefits, discounts, and reward vouchers.
8: SBM ZET credit cards have an interest-free period of 45 days as opposed to traditional credit cards, which have only 30 30-day interest-free period, after which there are late fee charges.
9: One major advantage of the SBM ZET credit card is that it is for users who have very low credit scores or those who do not have any credit score.
10: THE SBM ZET credit card is among the very few credit cards that are backed by FD, hence all transactions performed by these credit cards are financially secure.
11: Round-the-clock customer service to assist SBM ZET credit card users in any case of any problem.
12: With responsible usage, many customers reported their credit scores increased from 600 to 750+ in less than a year.
Also Read: Credit Card Reward Points Missing – What You Can Do
SBM ZET credit cards have a variety of features that make them one of the most sought-after credit cards in today’s world. Some of the features of the SBM ZET credit card are:
1: Anyone with a low credit score or no income proof can apply.
2: Best card for people who are using a credit card for the first time.
3: It can even be used with other credit cards.
4: Credit limit of up to 90% to 110% against FD deposits.
5: The credit limit is reflected monthly with each credit card statement.
6: Cash withdrawal limit of up to 50% of the credit limit.
7: No interest charges if the outstanding amount is settled within the due date.
8: 45 days' interest-free period.
9: Up to 7% interest on FD.
10: Cashback of up to 15% on all major platforms, both online and offline.
11: Up to 20% off on all leading food delivery platforms.
12: Secure transactions with two-step authentication.
13: SBM ZET credit cards can easily be linked to other UPI apps for the convenience of customers.
14: The credit limit can be increased by increasing the FD amounts.
15: A lifetime free credit card with many features and rewards.
16: Easy tracking of all transactions through the ZET app.
17: Earn ZET coins, which can be later redeemed depending on customers' requirements. ZET coins can be monitored in the Rewards section of the ZET app.
Also Read: How to Reactivate a Temporarily Suspended Credit Card?
As SBM ZET credit cards are issued against fixed deposits in SBM Bank and do not need an income proof, there are no chances for it getting rejected. SBM ZET credit cards are amongst the very few credit cards in India that have 100% approval rates. Anyone having a minimum fixed deposit of 5000 INR can apply for the SBM ZET credit card. The following are the steps to apply for the SBM ZET Credit Card online.
1: Download the ZET app from the Google Play Store for Android Users and from the Apple App Store for iOS users.
2: Sign up in the app using the mobile number linked to the Aadhar card.
3: Customers need to verify their mobile numbers using the OTP received on their mobiles.
4: Fill out the application for the SBM ZET credit card by providing basic details like name, address, etc.
5: Open an FD of the desired amount, a minimum of 5000 INR and a maximum of 5,00,000 INR.
6: Complete video KYC and submit all necessary documents.
7: Approval is in no time, with a virtual card activated in as little as 10 minutes.
8: Customers with low credit scores can use SBM ZET credit cards to increase their credit scores in a period of less than 30 days.
9: Credit limit is fully dependent on fixed deposits, which acts as a check on overspending and curbs unnecessary expenses.
Also Read: Credit Card EMI vs UPI BNPL – Which Is More Cost-Effective?
These cards are meant for all groups of people, but in particular, a sector of people who are first-time credit card users. Hence, one may have several doubts about how to activate your SBM ZET credit card.
As there is instant approval of SBM ZET credit cards, the virtual credit card is activated in less than 10 minutes. A credit card welcome kit with a physical credit card is delivered to customers' preferred address in 5 to 10 days.
One can activate SBM ZET credit cards in both online and offline modes.
Also Read: How to Increase Your SBM ZET Credit Card Limit
THE SBM ZET credit card can be activated online using the following steps.
1: Log in to the ZET app and visit the Cards section.
2: Click on Manage Cards and then click Activate Physical Credit Card.
3: Customers are then required to enter the activation code that is provided in the welcome kit.
4: Customers have to fill in the credit card details and customer details, and generate their PIN.
5: Click on “Terms and Conditions” to finalise the activation process.
6: Within 10 minutes, the SBM ZET virtual credit card is ready to perform both domestic and international transactions.
For customers who are not internet savvy or where the internet cannot be easily accessed, SBM ZET credit cards can be activated in offline modes.
Also Read: What to Do If SBM ZET Credit Card Payment Fails
The majority of SBM ZET credit card users are first-time credit card users; they would prefer visiting a bank and face-to-face credit card activation, rather than opting for online modes.
1: Upon reaching the nearest bank branch, customers may be asked to fill out a form for SBM ZET credit card activation.
2: After identity verification, customers are required to provide the OTP that is received at their registered mobile number.
3: Lastly, customers are asked to generate 4 4-digit PIN numbers, which they will use for future transactions.
4: Credit cards are delivered to our addresses within 7 to 10 days.
As to how to activate your SBM ZET credit card, customers can call the toll-free number given on the back of their credit card and first choose their language of choice. They can simply follow the instructions provided through IVR, and their virtual SBM ZET credit card is activated in no time. An important thing to note is that customers are required to keep their credit cards and relevant KYC documents handy when they are about to activate the SBM ZET credit card via IVR.
In case of any queries on how to activate your SBM ZET credit card, customers can always call the toll-free number given on the back of their credit cards, and customer care representatives will be ready to address their concerns in the best possible way they can.
With innumerable credit card options available to customers, it is important that customers choose their cards wisely depending on their preferences and financial requirements. For new credit card users, the SBM ZET credit card is the best option, as it does not require income proof, and customers with FDs as low as 5000 INR can apply for it.
It is one of the best-rated credit cards in recent times, as the SBM ZET credit card gives customers dual benefits of a credit card as well as 7% interest accumulated on FDs. SBM ZET credit card transactions are protected by the RBI, making it a safer platform compared to other credit cards.
SBM ZET credit cards can be used to purchase things from online shopping platforms like Amazon, Flipkart, Big Basket, where customers can earn up to 15% cashback as well as various discount vouchers on travel and dining. When used wisely, SBM ZET cards can be used to perform each and every transaction, thus customers with low credit scores have an opportunity to increase their credit scores.
With its host of benefits, one may ask how to activate your SBM ZET credit card instantly. There are both online and offline ways to activate the SBM ZET credit card in no time.
Also Read: SBM ZET Credit Card Customer Care – How to Raise a Complaint
Yes, the SBM ZET card does not need any income proof for its activation; that is, even students or people with no income can apply for the SBM ZET credit card and get it activated instantly.
All transactions performed by SBM ZET credit cards are safe, as these transactions are backed by fixed deposits.
There are many credit card issuers that offer high credit limits to their loyal customers. THE SBM ZET credit card offers a credit limit as high as 110% to its valuable customers.
No, the SBM ZET credit card is only for customers who have a minimum fixed deposit of 5000 INR with SBM Bank. Given the lucrative benefits SBM ZET credit cards offer, as well as the interest on FDs, owning an SBM ZET credit card is an opportunity one should not miss.
Answers on how to activate your SBM ZET credit card are simple. We can activate the SBM ZET credit card both online and offline, instantly with a virtual card generated in 10 minutes.
SBM ZET credit cards can be used for each and every transaction, like purchasing things, hotel bills, restaurant bills, OTT subscriptions, domestic and international flights, etc.
Download the app from PlayStore
