July 22, 2025 · 11 mins read
Santhosh Kumar
Credit cards in today's world and today's India are a craze. Credit cards are available for every individual, and every credit card comes with its own rewards and cashback offers for users to utilize with ease and with excitement. Many credit cards are only enabled for those with good credit scores and those who have a certain salary amount, but the SBM Zet Credit Card is known to be popular among those who have zero to low credit scores. Especially for those individuals who have never had a credit card or are first-time borrowers, the SBM Zet Credit card is known to be highly beneficial for them.
The SBM Zet Credit Card offers rewards on platforms such as Amazon, Flipkart, and Myntra and discount services on Swiggy, Zomato, and Book My Show. Upon use of the SBM Zet Credit Card, users also earn Zet Coins, which can also be enabled to be converted to cash by users.
The SBM Bank (India) is claimed to be the first foreign bank to achieve banking in India. To apply for a credit card with SBM Bank, applicants are required to be in the age group of 21 and above. The collaboration of SBM with ZET, which is called the SBM Zet Credit Card, has top features like:
1: No Income Proof documentation
2: Lifetime free
3: No renewal fees
4: Hassle-free free process of application
5: Multiple rewards and discount offers on online platforms and offline outlets
The ZET application can be downloaded through the App Store and Play Store and is known to increase zero to low credit scores to up to 750 and more, which is considered to be more than good. A collaboration of the two, the SBM Zet Credit Card is quick, easy, and convenient for users, especially those who are first-time borrowers.
The State Bank of Mauritius is the first Foreign Bank to achieve a license of banking license from India. With its great accessibility, the SBM Bank India is known for its hassle-free application process for applicants. A minimum age applies for applicants upon applying for any SBM Card, be it debit or credit, and that is 21 years and above. SBM Bank India is highly recommended by NRIs as the SBM Bank has features that cater well to the Non-Resident Indians or NRIs. With a seamless banking facility, SBM is also well known for its FD accounts. It is required for every applicant to hold a or apply for a Fixed Deposit before applying for an SBM ZET Credit Card in India.
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ZET is an application designed for individuals seeking to rapidly increase their credit score through a 100% convenient process for the user. The ZET Application is known to be one of the best in the market for individuals who do not have a credit score or are looking to increase their "Low" or "Poor" credit score quickly, in their comfort zone.
The collaboration between SBM & ZET has developed an innovation known as the SBM ZET Credit Card, which can be used by its users throughout India. The SBM ZET Credit Card has several exciting features that benefit the users, and they are as follows:
No Income Proof: Applicants who are applying for the SBM ZET Credit card are required to present or carry NO INCOME PROOF, which makes the process easier for those with zero-to-low credit scores. The SBM ZET Credit Card is highly popular among First borrowers.
Zero Renewal Fee: Applicants are charged no hidden fees upon applying for the SBM ZET Credit Card. Hidden fees such as Processing Fee, Renewal Fee, or Joining Fee.
Hassle Free Process: To apply for the SBM ZET Credit Card is popularly known to be a hassle-free process of application as the credit card requires just basic details of the applicant upon application of the SBM ZET Credit Card. To apply for an SBM ZET Credit Card, one can now visit the online website via a computer or visit the application via a smartphone, making accessibility seem like spoon-feeding.
Rewards and Discounts Offers: Upon applying for the SBM ZET Credit Card, applicants get ample number of chances to avail themselves of discounts and earn reward points upon utilizing the credit card on e-commerce websites or offline outlets.
Competitive Interest Rates: The SBM ZET Credit Card offers its users the industry-leading interest Rates, which match the user's demands, keeping the interest rates competitive in the market.
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The SBM ZET Credit Cards contain a bunch of Discounts and Reward points for users to avail and earn upon using the SBM ZET Credit Card on e-commerce websites and in offline outlets. A few partners that stand with the SBM ZET Credit Card are known to be Flipkart, HealthFirst, Amazon, Amazon Prime, Swiggy, Zomato, & BookMyShow.
Below mentioned are some Best Cashback, Discounts, and Reward opportunities for applicants applying for the SBM ZET Credit Card:
5% Cashback on Amazon: Upon applying for the SBM ZET Credit Card, applicants receive a 5% cashback on the most popular e-commerce website known as Amazon.
8% Cashback on Flipkart: Upon using the SBM ZET Credit Card on Flipkart, users will receive an 8% cashback at the checkout.
20% Cashback on Myntra: Users, upon using the SBM ZET Credit Card, receive a 20% Cashback on Myntra.
5% Cashback on Gift Cards: Upon using the SBM ZET Credit Card, users are themselves for a 5% cashback on Gift Cards.
15% Rewards on Major Online Platforms: On many other major shopping platforms on the Internet, users are not limited to using the SBM ZET Credit Card. Hence, upon using the SBM ZET Credit Card on major other online platforms, users earn Rewards worth 15%.
ZET Coins: Upon using the SBM ZET Credit Card in India, users are themselves with ZET Coins, which can be converted into Gift Cards and redeemed for cash.
20% Discount on Swiggy, Zomato & BookMyShow: Upon making payments via the SBM ZET Credit Card, users receive great opportunities to avail themselves of a 20% discount on renowned platforms such as Swiggy, Zomato, and BookMyShow.
MakeMyTrip Offers: MakeMyTrip holds special offers for users with the SBM ZET Credit Card, such as a flat discount. 100 off on Bus Bookings with a minimum expense of RS. 500.
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Indeed, there are many more rewarding benefits upon making payments via the SBM ZET Credit Card, and they are as follows:
Lifetime Free; The SBM ZET Credit card does not include any renewal fee, processing fee, or joining fee. The card is also known to have a one-time payment system where users do not have to pay any amount of money once the card has been activated.
Credit Building: The SBM ZET Credit Card is designed to guide users to build their credit score, especially those users who have a Zero to Low Credit Score.
RBI Insured FD: The SBM ZET Credit Card is popularly known to be backed by an FD with SBM Bank. The FD is insured by the RBI.
It is important to note that all these cashback and discount offers come with “Terms & Conditions” that are required to be read thoroughly before moving ahead with any payment process, with the SBM ZET Credit Card.
While there may be multiple ways to avail ourselves of the SBM ZET Credit Card cashback offers and discounts, below are a bunch of the best options one can consider availing themselves of great and exciting gift vouchers, discount offers, and cashback offers.
1: One of the best ways to avail the SBM ZET Credit Card discount offers is the ZET App. Since the ZET App is the central system for managing the entire credit card, it includes a reward system and cashback offers that users can avail themselves of. Hence, using the ZET App to receive discount codes and offers upon using the SBM ZET Credit Card is known to be one of the best and most convenient options.
2: Another way to take advantage of the SBM ZET Credit Card discounts and cashback offers is through MakeMyTrip.com. To avail themselves of the MMT option, users can visit the MMT App and take advantage of multiple offers and discounts during checkout.
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In today's Indian Economy, digital payments are the Norm. Making timely payments, with zero delay, is the absolute Norm. The Indian Economy has moved ahead, and so have the innumerable credit card benefits that have been created over time for the ease of its users. The SBM ZET credit card is recognized for its hassle-free application process, minimal documentation requirements, and numerous other benefits that are valid and legitimate. The SBM ZET Credit Card is an initiative by the collaboration of SBM Bank India and the ZET Application. SBM, being one of the first foreign banks to obtain a banking license in India, is known for catering to those who are considered "First-Time Borrowers" or those with a zero to low credit score. At the same time, we may be aware that many credit cards require multiple documents to be presented. Innumerable demands of details and unexpected long hours of waiting to receive a credit card, but the SBM ZET Credit Card is known for its hassle-free application process, which can also be done at the user's comfort level via their smartphone or their computer. Accessibility is 100% with the SBM ZET Credit Card.
A few factors that make the SBM ZET Credit card one of the most popular credit cards among first-time applicants are the requirement of no income proof, a Hassle-Free application process, industry-leading Interest Rates offered to applicants, and its accessibility. The credit card is also most popular among First-Time borrowers & applicants with low or poor credit scores. The SBM ZET credit card offers a great set of cashback rewards and discounts for users when they use the SBM ZET Credit Card for shopping, dining, and other purposes.
While there are more than 100 credit cards available for all types of applicants, the SBM ZET Credit card is recognized as a notable initiative by SBM Bank India and ZET App.
Ans: NO. You must be at least 21 years old and no more than 60 years old to apply for the SBM ZET Credit Card.
Ans: Yes, the ZET App is popular for its rapidly growing credit score feature, which benefits users 100% when applying for a credit card in India.
Ans: While the SBM ZET Credit card offers several benefits, a few key advantages include interest-free periods, cashback and reward points, and the opportunity to improve one's credit score.
Ans: Absolutely. The SBM ZET Credit Card is recognized for its secure digital transaction network and is trusted.
Ans: Yes. The SBM Cards Fees and Charges are 2.5% per month to 3.99% per month. Per annum, that would be 30% to 47.888% per annum.
Ans: The exciting cashback offers and discounts that the SBM ZET Credit card offers to its users are 8% cashback on Flipkart, 20% cashback on Myntra, 5% back on Amazon and Gift Cards, and for other major platforms, users earn 15% Rewards.
Ans: No. As of 2025, no Cibil Score is required to be provided by any applicant during the application process of the SBM ZET Credit Card.
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