If you’ve ever been denied a credit card, this SBM ZET Credit Card Review will show you why this beginner-friendly card is the easiest and safest way to start your credit journey in India.
Backed by SBM Bank India and ZET App, this card is tailor-made for students, first-time credit users, and professionals who want to build a credit score from scratch — with zero rejection risk.
In this SBM ZET Credit Card Review, we’ll explore how this innovative card helps beginners, students, and freelancers build a solid credit score — even without income proof or prior banking history.
💼 ZET Partner Review – Earn Passive Income as a Financial Advisor (Referral Code: DT)⚡ What is the SBM ZET Credit Card?
The SBM ZET Credit Card is a secured credit card issued in partnership with SBM Bank India and ZET App, backed by a fixed deposit (FD) that acts as your security deposit.
This means — no income proof, no salary slips, and no credit score required.
You simply create an RBI-insured FD, and in return, you get a 100% approved credit card that helps you build your score from Day 1.
The SBM ZET Credit Card Review highlights that this FD-backed card by SBM Bank India is designed for first-time credit users, offering guaranteed approval and a seamless onboarding process via the ZET app.
💰 SBM ZET Credit Card Benefits
One of the standout points from our SBM ZET Credit Card Review is how this lifetime-free card combines UPI compatibility, zero annual fees, and credit-building tools in one smart package.
Here’s why thousands of Indians are switching to the SBM ZET Credit Card 👇
✅ 100% Approval Guarantee – No rejections at all.
✅ No Income Proof Needed – Perfect for students and freelancers.
✅ Lifetime Free – ₹0 joining fee, ₹0 annual fee, ₹0 hidden charges.
✅ UPI-Enabled Card – Use it for online and offline UPI payments easily.
✅ Build Credit Score Fast – Improve your CIBIL score month by month.
✅ RBI-Insured FD Security – Your deposit stays 100% safe.
🧾 SBM ZET Credit Card Charges
Good news — this is a lifetime free credit card!
That means:
- Joining Fee: ₹0
- Annual Fee: ₹0
- Card Replacement Fee: ₹0
- Foreign Transaction Fee: 3.5%
- Interest Rate: ~36% p.a. (only on unpaid dues)
There are no hidden charges, and the app clearly shows all transactions and bills in real time.
🎁 SBM ZET Credit Card Offers
The ZET App gives users exclusive cashback and reward offers on top brands like:
🛍️ Amazon, Myntra, Flipkart
☕ Starbucks, Zomato, Swiggy
🎬 BookMyShow, Netflix
You also earn rewards and ZET points every time you pay bills, recharge, or shop using your ZET Card.
📈 SBM ZET Credit Card Limit
Your credit limit depends on the amount of your FD:
- If you deposit ₹5,000 → Credit Limit up to ₹5,000
- If you deposit ₹20,000 → Credit Limit up to ₹20,000
You can increase your FD anytime to boost your credit limit instantly from the app.
🧑💼 SBM ZET Credit Card Eligibility
You can apply for the card if you:
- Are 18 years or older
- Have a valid PAN and Aadhaar
- Hold an Indian savings bank account
- Can create an FD of at least ₹2,000
Even if you’re a student, homemaker, or freelancer, you’re eligible!
Based on this SBM ZET Credit Card Review, anyone above 18 years with a PAN and Aadhaar card can apply effortlessly and start building credit with a small FD.
💳 How to Apply for SBM ZET Credit Card
Getting your card takes just 2 minutes:
1️⃣ Download the ZET App → Apply Here
2️⃣ Complete KYC using PAN and Aadhaar
3️⃣ Create FD with SBM Bank
4️⃣ Activate Card (delivered digitally)
5️⃣ Start using instantly via UPI or ZET App
📞 SBM ZET Credit Card Customer Care Number
If you face any issues, you can reach out to:
📧 support@zetapp.in
📞 Customer Helpline: +91 865505508
They’re available Monday to Saturday, 9:00 AM – 7:00 PM.
🧠 Is the SBM ZET Credit Card Safe?
Absolutely!
- It’s issued by SBM Bank India, a licensed and RBI-regulated entity.
- The FD you create is RBI-insured.
- The app uses bank-grade encryption and 2FA security.
In short, it’s one of the safest entry-level credit cards in India today.
According to this SBM ZET Credit Card Review, the partnership between ZET and SBM Bank ensures safety through RBI-regulated FD insurance and advanced encryption for all transactions.
💬 Final Verdict – SBM ZET Credit Card Review
To wrap up this SBM ZET Credit Card Review, here’s why it’s a game-changer:
✅ 100% Approval Rate
✅ No Salary Proof or Credit History Needed
✅ Safe, RBI-Insured FD-Based Model
✅ Lifetime Free
✅ Helps Build Your Credit Score Effortlessly
If you’re new to credit or tired of rejections from traditional banks — this is your best first step.
Overall, this SBM ZET Credit Card Review confirms that it’s India’s most beginner-friendly credit card — combining approval assurance, zero fees, and strong credit growth potential
ZET Credit Card Review👉 Apply now and start building your 750+ score today: