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
Base Reward Rate
2X
Point Value
₹1/pt
Min CIBIL
650
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
3X
Travel
2X
Shopping
3X
Online
4X
Grocery
2X
Fuel
1X
Utilities
1X
Other
2X
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
Ready to Apply?
Apply directly on the SBM Bank India website. Takes about 10 minutes.
