How is the SBM ZET Credit Card different from other credit cards?

The SBM ZET Credit Card is backed by a Fixed Deposit (FD), making approval easy even if you have a low or no credit score. It is lifetime-free, with no annual or renewal fees. With responsible use, it helps you build your credit score while offering the same benefits as regular credit cards — rewards, secure transactions, and spending flexibility. It’s a simple and cost-effective way to improve your credit profile.

Who should get an SBM ZET Credit Card?

The SBM ZET Credit Card is ideal for: - First-time credit users: If you have no credit history, this card helps you start building your credit score. - Users with a low credit score: If banks have denied you a credit card, you can get easy approval with this secured card. - Existing credit card holders: Adding an FD-backed card improves your credit mix, which helps boost your credit score.

What is the minimum FD amount required for the card?

The minimum FD required is ₹5,000. However, it's best to set your FD based on your monthly expenses. Ideally, your FD should be at least three times your monthly expenses. This helps keep credit utilization below 30%, which is recommended for a healthy credit score.

Why is my credit score on the ZET app different from other apps?

The ZET app shows your latest Experian Score. Other apps may use different bureaus like Transunion CIBIL, Equifax, or CRIF High Mark. Each bureau has its own scoring model and data, which can cause slight variations in your score. For a detailed list of charges, check SBM Bank’s official document: [Fee & Charges Details](https://www.sbmbank.co.in/smart_banking/pdf/SBM-MAGNET-Credit-Card-MITC.pdf).

What rewards do I get with the SBM ZET Credit Card?

You get benefits worth over ₹21,000 and up to 20% off on top brand vouchers from Amazon, Flipkart, Myntra, and more. Enjoy exclusive savings while building your credit score.

Can I make UPI payments using the SBM ZET Credit Card?

Yes, you can use the SBM ZET Credit Card for UPI payments. Pay online or offline through our app and earn ZCoins on every transaction. Enjoy seamless payments with great rewards!