RuPay
SBM Bank · Credit Card
SBM ZET Credit Card
Lifetime-free credit card against a ₹2,000 FD — your money stays yours and earns up to 7% interest
Joining feeNil — lifetime free
Annual feeNil — lifetime free
Best forBuilding a 750+ credit score
Key benefits
- Lifetime free — zero joining fee, zero annual fee
- Backed by an FD starting at just ₹2,000 — the money stays yours and keeps earning up to 7% interest
- Builds your credit score to 750+ with regular on-time use
- No income proof or credit history needed — approval is against your FD
- RuPay card — link it to any UPI app and pay by scan anywhere
- Up to 45 days of interest-free credit on your spends
- Your fixed deposit stays RBI-insured
How to apply
- Tap Apply Now — the ZET link opens
- Download the ZET app and sign up with your mobile number
- Finish the quick KYC — just PAN + Aadhaar, no income documents
- Open your FD (minimum ₹2,000) — it stays in your name and keeps earning interest
- Activate the card in the app and start using it instantly ⚡