SBM ZET Secured Credit Card Review 2025 – Best Credit Builder Card

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SBM ZET Secured Credit Card: The Best Credit Builder Card for Beginners in India

The SBM ZET Secured Credit Card is one of India’s most trusted and easiest ways to build your credit score from scratch. This card is specially designed for beginners who have no credit history, low CIBIL score, or no income proof. Backed by a fixed deposit (FD) starting from just ₹5,000, it gives you a full credit card experience with zero risk.

Why SBM ZET Secured Credit Card Stands Out

• No income proof required — Anyone can apply.
• FD-backed credit card — FD starts at ₹5,000.
• Lifetime free — No annual or renewal charges.
• UPI-enabled — Works on GPay, PhonePe, Paytm.
• Earn up to 7% FD interest while building credit.
• 45 days interest-free period on payments.
• Instant virtual card for online use.
• Exclusive discounts & cashback on Amazon, Flipkart, Zomato, Swiggy, and more.

How SBM ZET Helps You Build a Strong Credit Score

This card reports every payment to major credit bureaus like CIBIL and Equifax. If you pay bills on time, your credit score can gradually improve from:

600 → 700 → 750+ in 6–12 months

Because the card is FD-backed, approvals are almost instant — making it perfect for:

• First-time credit card users
• Students
• Freelancers & self-employed
• People recovering from loan rejections

Additional Benefits You Should Know

• Strong security with OTP login + device binding
• Transparent billing — no hidden charges
• 24/7 customer support
• 1% fuel surcharge waiver
• Works for EMI eligibility and future loan approvals

Eligibility Requirements

• FD with SBM Bank (₹5,000–₹1,00,000)
• Basic KYC (Aadhaar + PAN)
• No income proof required
• No CIBIL score required

Step-by-Step Application Process

1. Download the ZET App from Google Play or iOS.
2. Complete a simple KYC verification.
3. Create an FD with SBM Bank (minimum ₹5,000).
4. Card gets instantly approved based on FD value.
5. Virtual card activated instantly → physical card arrives later.

That's it — no salary slip, no bank statement, no complications.

Who Should Get the SBM ZET Secured Credit Card?

• People who want to start their credit journey
• Those rejected for normal credit cards
• Students or freelancers without stable income
• People wanting a lifetime free card
• Anyone wanting a UPI-enabled credit card

Final Verdict

The SBM ZET Secured Credit Card is one of India’s best and easiest ways to build credit safely. It offers the benefits of a full credit card with the security of an FD and requires no income proof or prior credit history.

If you want to build or rebuild your credit score fast — this card is a strong, reliable solution.

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