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SBM Bank
entry
•••• •••• •••• 0000
ZET
RuPaySBM Bank • RuPay• Entry
Annual Fee
Free
Base Reward Rate
15.00%
Foreign Tx Fee
2.49%
Tier
Entry
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹88,200
Blended 14.13% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
FD-backed secured credit card. Minimum FD Rs5,000; credit limit 90% of deposit. Lifetime free. No income proof required. UPI-enabled RuPay. Rewards paid as ZET Coins redeemable as cash (Rs0.20) or vouchers (Rs0.25). Cancellation within first 6 months incurs Rs499 penalty. Interest 3.5%/month (42% p.a.).