ZET FD Credit Card
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SBM Bank

ZET FD Credit Card

RuPay
Secured

Your rating

Community rating

Best for Building credit score with an FD-backed secured card and UPI rewards

Joining Fee

Free

Annual Fee

Free

Reward Rate

2% – 5%

Forex Markup

2.49%

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ZET FD Credit Card Benefits

Credit limit up to 90% of FD amount
No income proof or credit history required
Up to 45-day interest-free credit period
Lifetime free FD-backed RuPay credit card with no joining or annual fee
2% cashback on UPI transactions with ZET Plus membership
5% cashback on Amazon & Flipkart vouchers
Up to 15% cashback across 80+ partner brands including Domino's, Nykaa, PVR & Cleartrip
Up to 20% discounts on Swiggy, Zomato, Instamart & BookMyShow offers
Earn up to 7% interest on the linked fixed deposit
UPI-enabled RuPay card that works with PhonePe, Google Pay & Paytm

ZET FD Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

2% – 5%

Earn rate

8

Points / ₹100

₹0.25

Per point

₹500

Monthly cap

ZET FD Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining feeFree
Annual feeFree
Interest-free period45 days
Interest rate (APR)42%
Late payment fee (max)₹299
Cash advance fee3.5% (min ₹300)
Over-limit fee0%
Forex markup2.49%
Fuel surcharge waiverYes (₹0–₹0)

ZET FD Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

  • UPI cashback requires active ZET Plus subscription

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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ZET FD Credit Card Eligibility

Age18+ yrs – 65
Min. incomeFree/month
CIBIL score0+

Employment type

SalariedSelf employedStudent

Pros & Cons

Pros
  • Lifetime free card with guaranteed approval against FD
  • Excellent option for building or improving credit score
  • UPI rewards are better than most secured cards
  • Earn interest on FD while using the credit card
  • No income proof or prior credit history required
  • Works seamlessly with major UPI apps
  • Good discounts on food delivery and entertainment brands
  • Fully digital onboarding and instant virtual card issuance
Cons
  • Best cashback benefits require ZET Plus subscription
  • Rewards are largely voucher and partner-brand focused
  • No airport lounge access benefits
  • Credit limit depends entirely on FD amount
  • Cashback is paid in ZET Coins with redemption conditions
  • Forex markup of around 2.49% is not competitive for international spends
  • Not suitable for users seeking premium travel or lifestyle perks

Quick Links

View on bank website

Data last updated 1 Jun 2026

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