Experience the
SBM ZET Credit Card
100% of new-to-credit users reach a 750+ credit score with responsible usage
Why Choose the
SBM ZET Credit Card?
The fastest way to a 750+ credit score
Seamless UPI Payments
Simply scan and pay with ZET UPI
Get the SBM ZET Credit Card in 4 Simple Steps!
Upgrade your SBM ZET Credit
Card benefits.
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SBM Bank India
One of the fastest-growing banks in India, with branches across major cities like Mumbai, Chennai, Bengaluru, Hyderabad, and New Delhi.
50 Lakh+
Customers in India
16 Branches
Across India
Your FD Is Insured By RBI
Your FD is insured up to ₹5 lakh by the DICGC under the DICGC Act 1961. For more information visit https://www.dicgc.org.in/
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 usage, 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 SBM ZET Credit Card?
The minimum FD required is ₹2,000. 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.
What rewards do I get with the SBM ZET Credit Card?
With the SBM ZET Credit Card, you get: - Up to 20% off on Swiggy, Zomato, Instamart and BookMyShow. - Flat 5% cashback on Amazon Pay and Flipkart vouchers. - Up to 15% cashback on 80+ top brand vouchers. - Cashback can be converted to cash and transferred to your bank account. Enjoy exclusive discounts and rewards while building your credit score.
Can I make UPI payments using the SBM ZET Credit Card?
Yes, you can make quick and easy UPI payments with the SBM ZET Credit Card with ZET UPI. ZET Plus users also get additional cashback on UPI transactions made through ZET UPI.
What is ZET Plus?
ZET Plus is a subscription at just ₹3/day that maximises rewards and offers additional benefits with your ZET FD Credit Card: - 2% cashback on every ZET UPI transaction. - No convenience fees on voucher purchases. - Lifetime validity on ZCoins. - Protection against online fraud and identity theft. - Dark web monitoring to secure your personal data.
