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SBM ZET Credit Card – Lifetime Free FD-backed RuPay Card

Need to build credit or improve a low CIBIL? Start easily with a zero-fee, FD-backed UPI credit card that comes with exclusive discounts on top brands.

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Last updated on: Jul 10, 2026

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Building a credit history can be challenging without an existing credit profile. The SBM ZET Credit Card is a secured credit card backed by a fixed deposit of at least ₹5,000 with SBM Bank, making it accessible without requiring a prior credit history, income proof, or extensive documentation.

This lifetime-free RuPay credit card supports UPI transactions and comes with no joining or annual fees. Cardholders can also enjoy instant discounts and cashback on eligible spends while continuing to earn up to 7% interest on the linked SBM Bank fixed deposit. Additionally, responsible card usage and timely repayments are reported to credit bureaus, helping build a credit history over time.

About the SBM ZET Credit Card on Bajaj Markets – India's First UPI-Linked RuPay Card

The SBM ZET Credit Card is an SBM Bank credit card powered by the ZET app. Here are the key highlights of this secured card available on Bajaj Markets:

Joining Fees	Annual Fees	Key Features
NIL	NIL	This RuPay credit card can be linked across all UPI apps, making payments seamless Earn up to 7% interest on your secured, RBI-insured fixed deposit (FD)

SBM ZET Credit Card Benefits

Build Your Credit History

Build and strengthen your credit profile through responsible card usage and timely repayments, with your credit history being activity reported to credit bureaus.

UPI-enabled RuPay Credit Card

Link your card across UPI apps and make seamless digital payments at a wide range of merchants.

Lifetime Free Card

Enjoy the card without any joining fees, annual charges, or recurring membership costs.

No Income Proof Required

Apply without submitting salary slips, bank statements, or a prior credit history.

SBM ZET Credit Card Fees, Charges, and Documents

Here is a detailed overview of the key fees and charges associated with the SBM ZET Credit Card:

Particulars	Details
Joining Fee	NIL (Just a Fixed Deposit of minimum ₹5,000 is required)
Annual Fee	NIL
Interest Charges	3.5% per month or 42% per annum
Cash Advance Fee	3.5% per month or 42% per annum
Minimum Amount Due	5% of the outstanding amount or ₹100, whichever is higher
Late Payment Fee	₹299 per instance
Foreign Transaction Fee	2.49% of the transaction amount
Fuel Surcharge	1% of the transaction amount

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

Documents Required to Apply for the SBM ZET Credit Card Online

Keep your original PAN card ready for the mandatory video KYC verification to apply for the SBM ZET Credit Card.

Eligibility Criteria for the SBM ZET Credit Card

You can easily apply for this SBM Bank credit card. Simply open a fixed deposit (FD) of minimum ₹5,000 with SBM Bank to qualify for the card.

Credit Card EMI Calculator

Your Credit Card EMI

₹ 454

Total Interest Amount

₹ 444

Transaction Amount

₹ 5,000

Total Payable Amount

₹ 5,444

Loan Amount

1000 1000000

Interest Rate

- +

Tenure

- +

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Year	EMI	Principal	Interest	Balance

How to Apply for the SBM ZET Credit Card Through Bajaj Markets

To apply for the SBM ZET Credit Card online, follow these simple steps:

Click on ‘Check Card Offer’ and provide your date of birth, mobile number, and occupation details
Enter the One-time Password (OTP) sent to your registered mobile number
Review and confirm the pre-filled details, including your PAN number, PIN code, email ID, and income information
Browse through the available card options
Complete your application as directed
Download the ZET app and fill in the required information
Further, open a fixed deposit, complete the video KYC

This way, you can get your card issued instantly to start enjoying its benefits.

SBM ZET Credit Card Customer Care Details

For any assistance related to your SBM ZET Credit Card, you can contact customer support through the following channels:

Website: www.zetapp.in

Customer Care Number: 9910992875

Email Support: care@zetapp.in

SBM Bank 24x7 Toll-Free Numbers: 1800 2099 335 / 1800 1033 817

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

Pradnya Ranpise

Financial Content Specialist

Reviewer

Roshani Ballal

Frequently Asked Questions

How do I activate my SBM Bank Credit Card?

Your virtual SBM ZET Credit Card will be activated within 24 hours after your video KYC is successfully verified. To activate the physical card, use the OTP or activation code provided in your welcome kit.

What is the credit limit on the SBM ZET Credit Card?

Your credit limit is linked to your fixed deposit and can go up to 90% of your total FD amount. A higher FD amount gives you a higher credit limit.

Can I use the SBM ZET Credit Card internationally?

Yes, you can use the card for international transactions. A foreign transaction fee of 2.49% of the transaction amount applies to all overseas purchases.

Does the SBM ZET Credit Card support EMI conversion?

Currently, the credit card does not offer bill-to-EMI conversion. If this feature becomes available in the future, you will be notified by the issuer.

What should I do if I lose my SBM ZET Credit Card?

If your card is lost, you can temporarily block it through the ZET app by going to ‘View Card’ > ‘Block Card’ > ‘Temporary Block’. You can unblock it anytime once the issue is resolved. If the card is permanently lost, you can block it permanently and request a replacement for ₹249 + GST.

What is the ZET App and how does it help me?

The ZET App is a digital platform that helps you manage your SBM ZET Credit Card. You can track transactions, check your statement, make payments, access offers, and block or unblock your card easily.

Can I apply for an add-on SBM ZET Credit Card?

No, the SBM credit card does not offer add-on or supplementary cards at this time.

Is the SBM Credit Card a good card for building credit score?

Yes, the SBM credit card can be a suitable option if you want to build your credit score. Since it is backed by a fixed deposit, approval is easier, and your usage and repayments are reported to credit bureaus. By paying your dues on time and maintaining low utilisation, you can improve your credit profile gradually.

How is the SBM ZET Credit Card different from a regular SBM Bank credit card?

The SBM ZET Credit Card is a secured SBM credit card backed by a fixed deposit, whereas many regular credit cards are unsecured and require income proof and a strong credit score. This card also offers UPI-enabled RuPay functionality, making it more useful for everyday payments. It is designed specifically for first-time users or those looking to build credit.

What interest rate does the SBM Bank ZET Credit Card earn on the linked Fixed Deposit?

The fixed deposit linked to the SBM Bank credit card earns up to 7% interest, as applicable. This means your savings continue to grow while they are used as collateral for your credit card. Interest rates may vary based on the tenure and bank policies.