SBM ZET credit card

SBM ZET

SBM Bank India · Rupay

SBM ZET is a lifetime-free RuPay credit card issued by SBM Bank India, enabling UPI credit payments and cashback on digital spends.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

2X

₹1/pt

Min CIBIL

650

₹3L+ income

Key Features

Digital credit card from SBM Bank India via Zeta platform
1% cashback on all spends — no category restrictions
Zero annual fee card (lifetime free)
Instant virtual card via Zeta mobile app
Works on UPI via RuPay network
Zero forex markup on international online transactions
Real-time spend controls via Zeta app
Interest-free credit up to 45 days

Welcome Benefits

✓

Lifetime Free Digital Card

Zero joining fee, zero annual fee forever — instant virtual card via Zeta app

✓

1% Cashback from Day One

Earn 1% cashback on every transaction from the moment your card is activated

Reward Rates by Category

Dining

3X

Travel

2X

Online

4X

Shopping

3X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
All MerchantsAll1X

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Zero Liability

Instant card freeze via Zeta app — report fraud immediately

100% fraudulent charges

Pros

  • Lifetime free — zero annual fee
  • UPI credit via RuPay
  • Cashback on digital spends
  • Backed by SBM Bank India
  • Works on all UPI apps

Cons

  • No lounge access
  • Limited brand recognition
  • Basic rewards structure

Frequently Asked Questions

What is SBM ZET card?+
SBM ZET is a digital credit card issued by SBM Bank India via the Zeta platform — completely managed through the Zeta mobile app.
How much cashback?+
1% cashback on all spends with no category restrictions or caps — simple flat-rate cashback.
Is it free forever?+
Yes — lifetime free with no annual or joining fee.
Can I use it internationally?+
Yes — zero forex markup on international online transactions, making it cost-effective for global shopping.
Any spending controls?+
Real-time controls via Zeta app — instantly freeze card, set limits or block specific merchant categories.

Ready to apply?

Apply on the SBM Bank India website. Usually takes 10 minutes.

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SBM ZET

Free · 2X rewards