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Building your credit profile can be challenging without an existing credit history. Many individuals face rejection for credit card or personal loan applications or are burdened with loans carrying excessively high interest rates due to the absence of a well-established credit score.
With the SBM ZET Credit Card, you can enjoy guaranteed approval by booking a fixed deposit (FD) starting from an amount as low as ₹5,000 as security. This secured credit card comes with no joining or annual fees and offers exciting rewards like cashback and discounts. It also helps you strengthen your financial credibility and build a strong credit history for future borrowing needs.
Here are the key highlights of this secured credit card available on Bajaj Markets:
Joining Fees |
Annual Fees |
Key Features |
NIL |
NIL |
|
Features and Benefits of the SBM ZET Credit Card
Here are the key features and benefits you can make the most of:
Faster Credit Score Growth
Build and improve your credit score within just 30 days of responsible credit card usage and timely repayments.
UPI-enabled RuPay Credit Card
Use your credit card seamlessly for UPI payments on popular apps, offering greater convenience in everyday transactions.
Lifetime Free Card
Enjoy lifetime benefits with no joining fees, no annual charges, and no hidden costs on your SBM ZET Credit Card.
No Income Proof Required
You do not need to submit salary slips, bank statements, or prior credit history to apply for the SBM ZET Credit Card.
100% Guaranteed Approval
Receive guaranteed approval once you book your fixed deposit, making it ideal for first-time credit card applicants.
FD-backed Card
Open a fixed deposit (FD) with SBM Bank and get instant access to a secured credit card without lengthy approval processes.
Earn up to 7% Interest on Your FD
Continue earning attractive returns on your RBI-insured fixed deposit even as you use your credit card responsibly.
100% Safe and Insured
Your fixed deposit is fully secured and insured under RBI guidelines, ensuring complete peace of mind for your investment.
Exclusive Savings on Leading Brands
Enjoy up to ₹19,000 annual savings on Swiggy, Zomato, BookMyShow bookings, and more.
100% Digital Application Process
Apply for the SBM ZET Credit Card online with a fully digital, paperless, and hassle-free application journey.
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.
Simply open a fixed deposit (FD) of minimum ₹5,000 with SBM Bank to qualify for the SBM ZET Credit Card.
Keep your original PAN card ready for the mandatory video KYC verification to apply for the SBM ZET Credit Card.
To apply for the SBM ZET Credit Card online, follow these simple steps:
Click on ‘Check Eligibility’ 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 SBM ZET Credit Card issued instantly to start enjoying its benefits.
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
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.
About Credit Cards Services
- Best Fuel Credit Card
- Business Credit Card
- Credit Card Settlement
- Corporate Credit Card
- Credit Card against Fixed Deposit
- Credit Card Documents
- Credit Card Eligibility Criteria
- Credit Card EMI
- Features & Benefits of Credit Card
- Interest Rate on Credit Card
- International Credit Card
- Credit Card Limit
- Credit Card Lounge Access
- Credit Card Netbanking
- Credit Card Bill
- Credit Card Pin Generation
- Credit Card Reward
- Shopping Credit Card
- Check Credit Card Statement
- Types of Credit Card
- Credit Card Billing Cycle
- Best Credit Card In India
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Frequently Asked Questions
How do I activate my SBM ZET 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 SBM ZET Credit 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 SBM ZET 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 ZET Credit Card does not offer add-on or supplementary cards at this time.
