The SBM ZET Credit Card Review introduces a unique, beginner-friendly credit card designed to help you build your credit score from scratch.
Powered by SBM Bank India and ZET, this card offers a 100% approval rate, requires no income proof, and is backed by an RBI-insured fixed deposit.
Whether you’re a student, freelancer, or young professional — the SBM ZET Credit Card is your gateway to achieving a 750+ credit score safely and smartly.
In this detailed SBM ZET Credit Card Review, we explore how it helps beginners build a credit score quickly without income proof or paperwork.
💳 SBM ZET Credit Card Overview
| Feature | Details |
|---|---|
| Issuer | SBM Bank India |
| Partner | ZET App |
| Type | Secured (FD-backed) Credit Card |
| Joining Fee | ₹0 (Lifetime Free) |
| Income Proof Required | ❌ No |
| FD Requirement | ✅ Yes (RBI-insured) |
| UPI Support | ✅ Yes (RuPay network) |
| Credit Limit | Based on FD amount |
| Approval | 100% (Instant) |
💡 It’s India’s easiest way to start your credit journey — no CIBIL score, no income documents needed.
💰 Key Benefits of SBM ZET Credit Card
✅ No Income Proof Required
You don’t need a salary slip or ITR to apply. Just open an FD, and your card gets approved instantly.
✅ RBI-Insured FD Security
Your Fixed Deposit (FD) is 100% secure and insured under RBI norms — you earn interest while building credit.
✅ UPI-Enabled Credit Card
Use it for daily UPI payments, recharges, and shopping. Works on Google Pay, PhonePe, and Paytm via the RuPay network.
✅ Lifetime Free
No joining or renewal fee — ever.
✅ Guaranteed Approval
Because it’s FD-backed, approval is instant and assured for everyone.
✅ Build Credit Fast
Repay on time, and your credit score can cross 750+ in 3–6 months.
🧠 How the SBM ZET Credit Card Helps You Build Credit
- Every on-time payment boosts your CIBIL & Experian credit score.
- You can start with an FD as low as ₹2,000.
- Ideal for beginners with no credit history or low score.
📈 ZET automatically reports your usage to credit bureaus every month.
🧾 Fees & Charges
| Type | Details |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Finance Charges | 3.5% per month |
| FD Amount | Starting from ₹2,000 |
| Cash Withdrawal Limit | 10–20% of FD |
| UPI Limit | As per credit limit |
| Rewards | Cashback + ZET benefits |
⚙️ Eligibility Criteria
Yes, this SBM ZET Credit Card Review confirms that you can apply even with no income proof, using just your Aadhaar and PAN.
| Parameter | Requirement |
|---|---|
| Age | 18+ years |
| KYC | Aadhaar + PAN |
| Income Proof | Not required |
| Credit History | Not required |
| FD Deposit | ₹2,000 or more |
🚀 How to Apply for the SBM ZET Credit Card
1️⃣ Click here → Apply Now on ZET App
2️⃣ Complete your KYC in under 2 minutes.
3️⃣ Create an RBI-insured Fixed Deposit.
4️⃣ Get your SBM ZET Credit Card approved instantly.
5️⃣ Start using it on UPI & online transactions.
💳 Referral Link: Click here
“ZET is your first step towards a 750+ score. No income proof. 100% approval. Lifetime Free.”
⚖️ SBM ZET Credit Card Review – Pros & Cons
| Pros | Cons |
|---|---|
| ✅ No income proof needed | ❌ FD lock-in required |
| ✅ 100% approval | ❌ No international usage |
| ✅ Lifetime free | ❌ Limited reward program |
| ✅ UPI-enabled | ❌ Only RuPay network |
| ✅ Perfect for beginners | ❌ FD required for limit increase |
💬 FAQs – SBM ZET Credit Card Review
Q1. Is the SBM ZET Credit Card lifetime free?
Yes, there’s no joining or annual fee.
Q2. How can I apply without income proof?
It’s FD-backed, so your fixed deposit acts as collateral.
Q3. Can I use this card for UPI payments?
Yes, it’s fully UPI-enabled on the RuPay network.
Q4. How much FD do I need?
You can start from ₹2,000 and go up to ₹1 lakh.
Q5. Does it improve my credit score?
Absolutely. Regular repayments help you build your credit history quickly.
🟩 Final Verdict
This SBM ZET Credit Card Review proves that it’s one of the best beginner-friendly cards in India.
With zero paperwork, instant approval, and RBI-backed security, it’s ideal for anyone starting their credit journey.
This SBM ZET Credit Card Review clearly shows why it’s the best lifetime free secured credit card for young professionals.
💳 Verdict: ⭐ 4.7 / 5
“Simple, secure, and smart — ZET helps you build credit the right way.”
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