SBM Bank ZET Credit Card Review 2026: Fees, Benefits, Eligibility & Apply Online

Last updated: August 18, 2026

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If you are looking for a secured credit card that may suit you even when you do not have conventional income proof or an established credit history, the SBM Bank ZET Credit Card can be an interesting option. It is an FD-backed RuPay credit card issued by SBM Bank in partnership with ZET and is designed particularly for people who want to build or improve their credit history.

The card is currently offered with zero joining fee and zero annual fee. According to ZET’s current information, the minimum fixed deposit starts at ₹2,000, and the credit limit can be up to 90% of the FD amount.

Apply for SBM ZET Credit Card Online →

Important: Credit card terms, cashback offers, subscription charges and eligibility requirements can change. Always check the latest terms before applying.

SBM Bank ZET Credit Card – Highlights

Feature	Details
Card Type	FD-backed Secured Credit Card
Issuing Bank	SBM Bank India
Network	RuPay
Joining Fee	₹0
Annual Fee	₹0
Minimum FD	₹2,000
Credit Limit	Up to 90% of FD
Income Proof	Not required according to ZET
Credit History	No prior credit history required
UPI Payments	Yes, through ZET UPI
FD Interest	Up to 7% p.a.
Credit-Free Period	Up to 45 days under SBM’s MITC
Application	Online through ZET
Virtual Card	Available after approval

The SBM Bank MITC confirms zero membership and annual maintenance fees, a maximum credit limit of 90% of the FD and a credit-free period of up to 45 days, subject to the applicable conditions.

SBM Bank ZET Credit Card Benefits

The SBM Bank ZET Credit Card is mainly useful for people who want a secured credit card with cashback, UPI functionality and credit-building features.

1. Lifetime-Free Credit Card

One of the biggest attractions is the zero joining fee and zero annual fee. ZET currently describes the card as lifetime free.

2. Minimum FD of ₹2,000

The current ZET website states that you can start with an FD of ₹2,000. Your credit limit is generally linked to the FD and can be up to 90% of its value.

For example:

• ₹2,000 FD → up to ₹1,800 credit limit
• ₹5,000 FD → up to ₹4,500 credit limit
• ₹10,000 FD → up to ₹9,000 credit limit

The exact limit is subject to the bank’s applicable terms.

3. No Income Proof Required

ZET states that the card does not require income proof and is designed for people who may have limited or no previous credit history.

However, applicants still need to complete the required KYC and verification process.

4. Build Your Credit Score

Because it is a credit card, responsible usage and timely repayment can contribute to building a positive credit history over time.

This makes the card potentially useful for:

• First-time credit card users
• People with limited credit history
• Users looking for an FD-backed card
• People trying to establish responsible credit behaviour

Remember that simply owning the card does not automatically improve your score. On-time payments and sensible credit utilisation are important.

5. Up to 5% Cashback on Amazon & Flipkart Vouchers

The current ZET website advertises flat 5% cashback on Amazon Pay and Flipkart vouchers, along with cashback opportunities on 80+ brands.

Offer conditions and applicable limits should be checked before purchasing vouchers.

6. Up to 15% Cashback on 80+ Brands

ZET also advertises cashback on vouchers from 80+ brands, with offers that can reach up to 15%.

The actual cashback depends on the available merchant offer and applicable terms.

7. 2% Cashback on ZET UPI

The ZET FD Credit Card can be used for UPI payments through ZET UPI. ZET currently advertises flat 2% cashback on ZET UPI payments with an active ZET Plus subscription.

ZET Plus is an additional paid subscription, so users should calculate whether the subscription provides enough value for their spending.

8. Food and Entertainment Discounts

The ZET website advertises discounts of up to 20% on selected brands and services including Swiggy, Zomato, Instamart and BookMyShow.

These offers may have minimum transaction values, monthly limits or other conditions.

9. FD Continues to Earn Interest

Your FD continues to earn interest while it is used as security for the credit card. ZET currently advertises up to 7% interest on the fixed deposit.

10. Virtual Credit Card

After completing the application, FD booking and video KYC, ZET states that the virtual card can be activated within minutes.

The physical card is dispatched separately.

SBM Bank ZET Credit Card Apply Online – Step-by-Step Process

If you want to apply for the ZET credit card online, the process is digital.

Step 1: Start Your Application

Visit the official SBM Bank ZET Credit Card application page and start your SBM ZET Credit Card application.

Apply for ZET FD Credit Card

Step 2: Enter Your Details

Provide the required personal and KYC information. Keep your PAN and Aadhaar-linked mobile number available for verification.

Step 3: Book Your FD

Create the required fixed deposit through the application. The current ZET website lists ₹2,000 as the minimum FD amount.

Step 4: Complete Video KYC

Complete the required video KYC process.

Step 5: Activate Your Virtual Card

Once approved, the virtual card can be activated and used according to the card’s applicable terms.

SBM Bank ZET Credit Card Minimum FD Amount

The current minimum FD amount for the SBM Bank ZET Credit Card is ₹2,000, according to ZET’s current official product page.

This is important because some older articles and promotional pages may still mention ₹5,000.

Since the credit limit is up to 90% of the FD, a ₹2,000 FD can provide a credit limit of up to approximately ₹1,800, subject to the bank’s terms.

SBM Bank ZET Credit Card Eligibility

The card is designed for applicants who may not have an established credit history.

Generally, you should have:

• Valid PAN details
• Valid Aadhaar/KYC information
• A mobile number for verification
• Required FD funding
• Ability to complete video KYC
• Eligibility as determined by the issuer’s current application process

ZET says that no income proof or prior credit history is required for its FD card.

Note: Do not treat “guaranteed approval” as a promise that every application will be approved regardless of KYC, verification, fraud checks or other issuer requirements.

SBM Bank ZET Credit Card Fees and Charges

The card has ₹0 joining and annual fees according to the supplied product information, but that does not mean every credit-card service is free. Other charges can apply.

Charge	Current Information
Joining Fee	₹0
Annual Maintenance Fee	₹0
Renewal Fee	₹0
Cash Advance Fee	3.5% or ₹300, whichever is higher
Forex Fee	2.49%
Late Payment Fee	₹299 + GST
Card Replacement	₹249 + GST
First-year Cancellation	₹499 + GST
Interest Rate	3.5% per month / 42% p.a.

Official Sources & Verification

Fees, cashback offers, subscription benefits and eligibility can change. Verify the latest information in the official SBM Bank and ZET documents before applying.

• SBM Bank India – Official Website
• ZET – Official Website
• ZET FD Credit Card – Application Page

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These charges are listed in SBM Bank’s current MITC for the ZET card. GST is applicable where required.

Important: Always pay your full credit-card bill by the due date. The lifetime-free feature does not eliminate interest or late-payment charges.

Is SBM Bank ZET Credit Card Safe or Not?

The SBM ZET Credit Card is an official FD-backed credit card issued in partnership with SBM Bank India. ZET’s current website identifies SBM Bank as one of its banking partners.

The fixed deposit associated with the card is held with the banking partner, and ZET states that eligible deposits are insured by DICGC up to ₹5 lakh under the applicable deposit-insurance framework.

Still, users should follow normal financial-safety practices:

• Apply only through the official SBM Bank ZET Credit Card website/app.
• Never share your OTP, PIN or CVV with anyone.
• Avoid downloading unofficial APK files.
• Read the latest card terms before accepting.
• Pay your credit-card bill on time.

SBM Bank ZET Credit Card UPI Benefits

Because the SBM ZET card is a RuPay credit card, it can be used for eligible UPI credit-card payments through supported UPI functionality.

ZET currently promotes ZET UPI with 2% cashback for users with an active ZET Plus subscription.

This can make the card useful for everyday merchant payments, but users should check the current eligible transaction categories and cashback conditions.

SBM Bank ZET Credit Card App

The ZET app is used for applying for the card, managing the FD, completing the application process and accessing card-related services.

The application flow currently includes:

1. Start application
2. Book FD
3. Complete video KYC
4. Activate virtual card

You can access the official ZET website here:

ZET Official Website

SBM Bank ZET Credit Card Customer Care Number

For SBM ZET Credit Card-related support, SBM Bank’s current MITC lists these customer-care numbers:

1800 1033 817
1800 2099 335

The MITC also lists customercare@sbmbank.co.in and care@zetapp.in for support.

For security, use the contact information shown in the latest official card documents rather than relying on numbers published on random websites.

SBM Bank India Official Website

SBM Bank ZET Credit Card Apply Status

If you have already submitted your ZET credit card application, check the application status through the official ZET app or application journey.

If there is a KYC, FD or verification issue, use the official ZET support channel rather than sharing your application details with third parties.

SBM ZET Credit Card Pros and Cons

Pros	Cons
Lifetime-free card with ₹0 joining and annual fee	Credit limit is linked to the FD
Minimum FD currently starts at ₹2,000	You need to keep money in an FD
No income proof required according to ZET	Cashback offers have conditions and limits
Useful for building credit history	ZET UPI 2% cashback requires ZET Plus
Up to 5% cashback on Amazon Pay and Flipkart vouchers	High interest rate if you carry an unpaid balance
Up to 15% cashback on selected brand vouchers	Cash withdrawals attract charges
UPI payment support through ZET UPI	Forex fee is not zero
FD can continue earning interest	Physical card delivery takes additional time
Virtual card available after approval	Offers and benefits can change

Who Should Apply for the SBM ZET Credit Card?

The SBM Bank ZET Credit Card may be suitable if you:

• Do not have regular income proof
• Are applying for your first credit card
• Have limited credit history
• Want an FD-backed secured card
• Want to use RuPay UPI functionality
• Prefer a card without annual fees
• Want cashback on selected vouchers and brands

It may not be the best choice if you want a large unsecured credit limit, premium travel benefits or extensive airport lounge access.

Is SBM ZET Credit Card Good?

For someone looking for a beginner-friendly FD-backed credit card, the SBM ZET Credit Card has several useful features. The ₹2,000 minimum FD, zero joining/annual fee, UPI functionality and cashback offers make it worth considering.

However, you should not choose the card only because it is lifetime free. The credit limit is linked to your FD, and the card carries significant interest and other charges if you do not repay on time. SBM’s MITC lists an interest rate of 3.5% per month, or 42% per annum, for applicable outstanding balances.

Our Verdict: Is the SBM ZET Credit Card Worth It?

• Best for: First-time credit users, people with limited credit history and users looking for an FD-backed RuPay card.
• Main strength: Low starting FD, ₹0 joining/annual fee and access to UPI and selected cashback offers.
• Main limitation: The credit limit is linked to the FD, and some advertised rewards depend on ZET Plus or specific merchant offers.
• Watch out for: Interest, late-payment and other charges if you do not pay the full bill on time.

Frequently Asked Questions About SBM Bank ZET Credit Card

1. How can I apply for the SBM Bank ZET Credit Card online?

You can apply through the official SBM Bank ZET Credit Card website or app. The current process includes starting the application, booking the FD, completing video KYC and activating the virtual card after approval.

2. Is the SBM Bank ZET Credit Card lifetime free?

Yes. The current ZET product page states that the card has zero joining fee and zero annual fee.

3. What is the minimum FD amount for the SBM Bank ZET Credit Card?

The current minimum FD amount is ₹2,000, according to ZET’s current official product information.

4. What credit limit can I get against the FD?

The SBM Bank MITC states that the maximum card limit is 90% of the fixed deposit amount.

For example, a ₹10,000 FD can provide a credit limit of up to ₹9,000.

5. Can I get the SBM Bank ZET Credit Card without income proof?

ZET states that income proof is not required for its FD-backed credit card. You still need to complete the required KYC and verification process.

6. Can I use the SBM ZET card for UPI payments?

Yes. ZET states that its FD credit card supports UPI payments through ZET UPI. ZET Plus subscribers can currently earn flat 2% cashback on ZET UPI payments.

7. Does the SBM Bank ZET FD continue earning interest?

Yes. ZET currently advertises interest of up to 7% on the fixed deposit, subject to the applicable FD terms.

8. Is the SBM Bank ZET Credit Card safe?

The card is issued in partnership with SBM Bank India, and the FD is subject to applicable DICGC deposit-insurance rules. ZET states that eligible deposits are insured up to ₹5 lakh.

9. What is the SBM Bank ZET Credit Card customer care number?

SBM Bank’s MITC currently lists 1800 1033 817 and 1800 2099 335 for customer support.

10. Can I get an SBM Bank ZET Credit Card with a low credit score?

Because it is an FD-backed card, ZET states that no prior credit history is required. However, approval remains subject to the issuer’s application, KYC and verification requirements.