September 22, 2025 · 9 mins read
Santosh Kumar
Diwali is one of the biggest festivals in India, and this is also the time when shopping for clothes, new appliances, and big purchases takes place. Big discounts and many offers are given during this time by shoppers and online marketplaces to lure customers and boost their sales.
Credit cards have made it easy for us to make small or big purchases in seconds without carrying cash in our pockets. You get reward points while you spend on your credit cards, and also facilities such as no-cost EMIs and additional discounts help you save money. Here are some ways credit cards can make your shopping easier this Diwali!
Looking to save big this Diwali with exclusive bank offers? Diwali sale. You've come to the right place. Diwali is the perfect time to take advantage of special deals on credit cards and more.
The SBM ZET Credit Cards contain a bunch of Discounts and Reward points for users to avail and earn upon using the SBM ZET Credit Card on Amazon's great indian festival and Flipkart Big Billion Days. There are existing offers shopping and swiggy (100 off on spend on 500 - twice a month), Zomato (100 off on spend on 300 - once a month), instamart (up to 20% off), abhibus (up to 20% off), Book my show (up to 20% off) and PVR (12% cashback on vouchers). Flat 5% cashback on voucher purchases, and it also includes more discounts by maintaining your credit score with Zet while earning cashback and up to 7% interest rate on FD.
Welcome Benefits are up to ₹21,000 in vouchers for Flipkart, Myntra, and Amazon. The Ongoing benefits are up 8% to 20% off with Amazon. Also, ZET has tie-ups with Amazon, cashback caps, and bonus rewards. You also earn ZET Coins (1 ZP coin = ₹0.20 cash - ₹0.25 vouchers) on in-app transactions. You can link UPI apps. UPI-specific rewards are planned for the future, so make payments with UPI apps if you can. You cannot earn rewards on transactions classified as EMI, withdrawals, or reversals. Keep this in mind and limit your spending to normal purchases.
Features Of the SBM Credit Cards
Lifetime Free Credit Card: The SBM Zet Credit Card does not involve a renewal fee for its users upon application for the SBM Zet Credit Card.
No Income Proof: Upon applying for the SBM Zet Credit Card, individuals are not asked to carry or provide Income Proof, which means applicants are not required to present any credit history either.
Exclusive Discounts: Applying for the SBM Zet Credit card holds many benefits, such as discount offers on Amazon Prime, Big Basket, Zomato, UBER, Make My Trip, Flipkart, Healthfirst, and many more. All the users must do is make transactions via the SBM Zet Credit Card.
Interest-Free Credit Period: The SBM Zet Credit Card offers its users a 45-day Interest-Free Credit Period upon making payments via the UPI platforms.
Interest on Fixed Deposit: Users are enabled to get 7% interest on the SBM Bank Fixed Deposit.
Also Read: How to Increase Your SBM ZET Credit Card Limit
The card is a valuable asset during the festival season. Its numerous benefits are listed as follows: It comes with a welcome gift voucher worth Rs. 500 from Amazon.
1: It offers huge reward points - 10X on purchases with exclusive partners Myntra, Amazon, Zoomcar, and UrbanClap
2: 5X reward points on all other online spends, and 1X reward points per Rs. 100 for offline spends. Additionally, it offers awesome milestone benefits via e-vouchers worth Rs. 2000 from leading brands, thus, offering more than the fee charged.
3: The annual fee of Rs. 499 can be reversed on reaching the spending of Rs. 1 lakh annually.
These numerous benefits make it a great card to use for this Durga Pooja and Diwali.
This card can elevate your shopping experience for Durga Puja and Diwali. The card offers the following attractive benefits:
1: Attractive cashback of 5% on shopping with popular brands like Amazon, Flipkart, Myntra, Swiggy, and Tata CLiQ online
2: 1% cashback on all other offline spends
3: You get bonus cash points of 1000 on paying the joining fee.
4: Annual fee waiver on spending Rs. 1 lakh in a year
This card is best suited for saving while you are spending and is ideal for everyday purchases. You can earn great benefits on supermarket, department store purchases, dining, and movies with this card. Its benefits include:
1: Earn 2,000 bonus reward points on spends of Rs. 2,000 or above within the first 60 days of card issuance.
2: 10 reward points on every Rs. 150 spent in supermarkets, departmental stores, and groceries.
3: 1 reward point per Rs. 150 spent on other categories
4: Annual membership fee reversal from the second year onwards spends Rs. 1 lakh in the previous year.
Also Read: Credit Card EMI vs UPI BNPL – Which Is More Cost-Effective?
This credit card is a co-branded credit card with Flipkart that offers cashback on all purchases made on Flipkart and Myntra. It is a perfect choice for shopping for Durga Puja and Diwali 2023. Benefits include
1: Welcome benefit: Flipkart voucher worth Rs. 500.
2: Cashback rate of up to 5% on Flipkart and Myntra purchases.
3: 4% cashback on partner merchants such as Uber
4: 1.5% cashback on all other purchases.
5: It also gives no-cost EMI options.
Also Read: [How to Reactivate a Temporarily Suspended Credit Card?](How to Reactivate a Temporarily Suspended Credit Card?)
If you have more than one credit card, make sure to spread out your spending across all of them. There are various benefits for this:
1: The reward points or discounts offered on each card can be different for different categories. For example, if you're driving down to your native place, use the credit card that offers maximum points on fuel purchases. If you're spending on entertainment to treat your family to a Diwali movie, use a card that offers discounts or freebies for such spends. This will help you get more value for your money.
2: Using multiple credit cards also helps to make sure you don’t overspend on just one and keeps your Credit Utilisation Ratio within limits (below 30% is what financial experts suggest).
3: It helps you get different interest-free periods on different purchases, which makes it easier to manage your budget in the long run.
Homes and cities in India come alive during festivals, and there is no other perfect time to shop for yourself and your loved ones. New clothes, home decor, jewelry, sweets, gadgets - This is the most suitable time to avail of appealing deals from merchants. The credit cards specified above can make your shopping experience great. Use them at luxurious malls, bazaars, and online stores, and also at shopping festivals like the Diwali Dhamaka or the Dussehra Shopping Utsav.
While you should enjoy your shopping to the maximum, you should also set a budget for how much you can spend. Attractive deals from retailers and discounts from credit cards can drive you to shop excessively. So, take careful financial decisions and make your shopping spree the best one for this Durga Puja and Diwali.
Also Read: Credit Card Reward Points Missing – What You Can Do
For offline shopping, you can give the credit card at the billing counter in the shop. The person at the counter will swipe or put your card into a machine. For online shopping, as soon as you complete your shopping and hit pay, you will be redirected to a payment gateway. Enter your card number, name, the expiry date of the card, and the CVV number (the three-digit number at the back of your card). Sometimes, you may have to provide the billing address too. Submit the information. The payment will be deducted.
Reward points are those that are collected with each transaction that the customer performs. Once the customer has accumulated a certain number of reward points, they can redeem them for various benefits, such as vouchers, cash back on future purchases, and a lot more. You can use these redeemed reward points for your festival shopping and save on your spending.
No, you cannot club an offer with other offers.
Yes, most of the deals offered on SBI credit cards are available across the country. Furthermore, certain offers are available outside of the country. To learn more about the offers available for your credit card, visit the official website of SBI.
Myntra provides EMI conversions on credit cards issued by Zet Credit Card, Axis Bank, SBI, HDFC Bank, IndusInd Bank, RBL Bank, etc.
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