July 22, 2025 · 11 mins read
Santhosh Kumar
First-time credit card clients or those with limited credit history regularly confront obstacles when applying for unsecured cards. The Zet SBM Credit Card bridges that hole by being completely secured with a Fixed deposit (FD). You don't require wage confirmation, and endorsement is essentially guaranteed once you open an FD, making it a perfect "first credit card" arrangement. More than that, it makes a difference if you build a strong credit score (750+), whereas you win your store and appreciate Zet Sbm credit card reward benefits.
By connecting your card to UPI and advertising cashback and voucher rewards over well-known apps and brands, the Zet Sbm credit card reward framework turns schedule investing into profitable winning. Whether you utilize UPI, shop on Amazon or Flipkart, or feast through Swiggy and Zomato, the card has something for everyone, without yearly expenses or hidden charges. Over the next few segments, we'll walk through everything: application, FD mechanics, rewards structure, investing procedure, credit-building best practices, and more.
The Zet SBM Credit Card is a secured credit card supported by a Fixed deposit. It is issued by SBM Bank in association with the ZET stage and is designed for people who are new to credit or have no existing credit history. The primary thought is basic: you put a Fixed deposit beginning from ₹5,000, and in return, you get a credit card with a limit equal to 90% of that sum. Your FD proceeds to win interest, whereas the credit card gives you a line of credit to build your credit score.
This card runs on the RuPay organize, which implies it can be utilized over most online and offline stages in India. You can moreover interface it with UPI apps like GPay and PhonePe to make QR-code installments, similar to a normal credit card. In any case, not at all like conventional secured credit cards, this one offers strong zet sbm credit card reward benefits, has zero joining and yearly expenses, and doesn't require you to submit any wage archives or CIBIL score at the time of application.
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Applying for the Zet SBM Credit Card is a speedy, advanced, and paperless process. You aren't required to visit any bank department. Here's how you do it:
1: Download the ZET app from the Play Store or App Store.
2: Register utilizing your portable number and Dish card.
3: Choose your FD sum — at least ₹5,000. The higher the sum, the higher your credit limit.
4: Complete Video KYC inside the app. It takes less than 10 minutes.
5: Verify the SIM official by sending an auto-SMS from your enlisted phone number.
6: Your virtual credit card is issued immediately, and a physical card is transported to your address within 5–7 working days.
The FD is non-withdrawable, but it can be broken if you select near the card. Interest is collected monthly and paid out according to the bank's schedule. You can increase your credit limit through the app at any time by contacting your FD.
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The rewards framework of the Zet SBM Credit Card is one of its greatest highlights. Unlike other secured cards that offer little to no cash back, this one is centered on giving back.
The rewards you gain are in the form of ZET Coins, the in-app currency of the ZET app. These coins can be redeemed for vouchers or cash, specifically into your bank account. The valuation of ZET Coins is as follows:
1 ZET Coin = ₹0.20 if taken as cashback
1 ZET Coin = ₹0.25 if recovered for vouchers
This gives you the flexibility to either receive cash or increase value through brand vouchers.
One of the most energizing highlights being introduced is the 2% level reward on UPI transactions made through the ZET app using a credit card. This is an interesting inclusion, particularly since most credit cards do not offer rewards on UPI payments.
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When you shop through the ZET app or pay utilizing your Zet SBM Credit Card, you get additional rewards for select brands:
1: 20% cashback on Myntra
2: 8% cashback on Flipkart
3: 5% cashback on Amazon
4: Up to 20% off on Swiggy, Zomato, BookMyShow, and more
These offers are routinely updated in the app and cover more than 80 partner brands, including categories such as food, shopping, travel, entertainment, and payment services.
You can use your ZET Coins to purchase discounted vouchers from brands like Uber, Domino's, Ajio, MakeMyTrip, and many more directlydirectly through the ZET app. This allows you to extend the value of your rewards beyond conventional cashback.
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Even if you don’t shop much online, you can still win rewards on:
1: Mobile recharges
2: Utility charge payments
3: OTT memberships (Netflix, Hotstar, etc.)
4: Grocery buys through online partners.
These regular categories ensure that your schedule exchanges are making a difference, and you earn profitable Zet sbm credit card reward points.
If you pick the Magnet variation of the card, you get level 10% cashback on common brand buys and up to 15% rewards on ZET app vouchers. The Magnet adaptation has its claim particular structure and targets clients who need a higher reward ceiling.
In brief, whether you use your card for shopping, dining, UPI, or bills, there's always a way to win with the Zet SBM credit card reward program. The key is to remain dynamic, pay on time, and utilize the ZET app to track and recover efficiently.
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1: Zero Fees
2: No joining or recharging fee.
3: Free month to month-to-month statements.
1: 45-day interest-free period on full payment.
2: Interest: 3.5% month to month (approx. 42% annually).
3: Late expense: ₹299.
1: Forex markup: 2.49%.
2: Cash development: 2.5% or ₹300 least + 3.5% interest.
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1: All installments made through this credit card are reported to major credit bureaus, including CIBIL and Experian.
2: If you reliably pay your full charge on time, you can see a quick rise in your credit score—many clients report reaching 750+ within 30 to 45 days.
3: Your reimbursement conduct sets up reliability, which makes a difference when applying for credits, EMIs, or higher-limit credit cards in the future.
1: Your credit usage proportion plays a basic part in your credit score.
2: It's prudent to keep your utilization below 30% of your credit limit. For example, if your FD is ₹30,000 (giving you a ₹27,000 limit), attempt to spend below ₹8,000 monthly.
3: Lower Usage signals money related to loan specialists and scoring systems.
1: Simply holding the card is not sufficient. You must utilize it effectively each month to build history.
2: Make customary buys on fundamental expenses like bills, UPI, basic supplies, and subscriptions.
3: Ensure all levies are paid in full by the due date to avoid interest and protect your credit score.
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1: With 6–12 months of consistent utilization, your profile strengthens, essentially enabling you to obtain premium credit cards and personal loans without requiring security deposits.
2: It's a stepping stone to achieving complete financial stability without monetary risk.
1: Prioritise investing in brands and administrations that advertise the highest reward percentages.
2: Use the card for Myntra (20%), Swiggy and Zomato (up to 20%), Flipkart (8%), and Amazon (5%) to amplify ZCoin earnings.
3: Schedule monthly expenses around these categories to advance reward collection.
1: Convert ZCoins into vouchers if you need more esteem (₹0.25 per coin).
2: For cash recovery, coins are esteemed at ₹0.20.
3: Track recovery offers in the ZET app and time your cash-outs amid uncommon campaigns for reward credits.
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1: Don’t utilize your card for ATM cash withdrawals or superfluous outside transactions.
2: These are not as costly (due to lower expenses and no rewards), but they eat into your credit utilization.
1: Once UPI rewards are dispatched, use your Zet card for all UPI-based transactions, including fuel, food, and rent, via apps like PhonePe and GPay.
2: This allows you to earn rewards on schedule exchanges that are regularly unrewarded on other credit cards.
1: Keep an eye out for limited-time partner deals within the ZET app.
2: Some advancements offer reward ZCoins or additional cashback on top of standard rewards.
1: Use the ZET app dashboard to check which categories are giving you the best returns.
2: Adjust your month-to-month expenses similarly and top up your FD to increase your card limits if you frequently reach the ceiling.
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The ZET app is your command center for all things related to your ZET SBM Credit Card. It offers more than fair exchange tracking—it's packed with useful tools to make managing your credit, FD, and rewards effortless.
Live Spend Dashboard: Screen your card utilization in real-time with category breakdowns.
FD Administration Board: See your Fixed deposit points of interest, development esteem, interest rates, and top-up choices all in one place.
ZCoin Tracker: See how many ZET Coins you've earned, which categories are contributing most, and how near you are to recovering another voucher.
Secure Card Controls: Right away, piece or unblock your card, alter Stick, and activate or deactivate UPI installments for added security.
Bill Installment Updates: Receive convenient updates when your charge is due, so you never miss a payment.
Full Articulation: Get to Download your card articulations with one tap for budgeting or assessment purposes.
Offer Notices: Receive real-time alerts on brand deals, reward boosters, and ongoing promotions.
The app is user-friendly and designed to provide assistance, helping you stay financially savvy while enjoying the benefits of the Zet SBM credit card reward system.
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Success with a secured credit card, like Zet SBM, isn't about swiping—it's about building habits that promote long-term financial stability. Here's how to utilize it smartly:
Always Pay the Full Sum Due: Dodge the least installments. Paying in full each month spares interest and builds belief with credit bureaus.
Time Your Investing: Spend wisely after your articulation is produced to maximize the longest possible interest-free window (up to 45 days).
Track Your Credit Score Month by Month: Screen changes using apps or credit bureau portals. Debate any errors early.
Keep Usage Under 30%: Investing too close to your limit harms your credit score. If required, contact your FD to increase your limit.
Use the Card Each Month: Inertia can affect your score detailing. Use it at least once a month, especially for small purchases.
Don't Miss Due Dates: Empower updates via the ZET app to help you stay on top of your payments. Avoid Pointless Cash Withdrawals: These incur high expenses and offer no rewards.
Review Explanations Carefully: distinguish extortion, screen charges, and assess investment designs to stay financially aware.
By incorporating these propensities into your financial plan, you not only get the best from your card but also prepare your profile for premium cards and credit endorsements in the future.
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Up to 20% on shopping and feasting apps, 2% UPI rewards (coming soon), and ZCoins convertible to vouchers or cash.
₹5,000 is the least. You can best up afterward as per your Usage.
Typically, inside 30–45 days of utilization, full, convenient payments.
Yes, with a forex markup of 2.49%. UPI works as it were in India.
UPI rewards (2%) are rolling out before long through the ZET app.
Your credit limit is decreased, and an ostensible punishment may apply.
Yes, by topping up your FD anytime by means of the ZET app.
Download the app from PlayStore
