The SBM ZET Credit Card is a lifetime-free secured RuPay credit card issued by SBM Bank India through the ZET mobile application. Backed by a fixed deposit starting from ₹2,000—which earns up to 7% interest and is DICGC-insured up to ₹5 lakh—the card requires no prior credit history, making it an accessible vehicle for thin-file users to build a CIBIL score of 750+. Operating on the RuPay network, it connects to UPI apps for scan-and-pay transactions, providing 2% flat cashback on ZET UPI (with an active ZET Plus subscription) alongside merchant discounts including up to 20% off on Swiggy, Zomato, Instamart, and BookMyShow, 5% on Amazon Pay and Flipkart vouchers, and savings up to 15% on over 80 brand vouchers.
