If you’ve ever been rejected for a credit card because of a zero CIBIL score, I know exactly how frustrating that feels. I’ve seen this happen to freshers, students, freelancers, and even salaried professionals who simply never took a loan before. Banks say “no credit history,” and you’re stuck in a loop.
That’s where the SBM ZET Credit Card genuinely changes the game.
I didn’t expect much at first. But after actually exploring how it works — especially for beginners — I realized this isn’t just another card. It’s a structured solution for people who are starting from scratch.
If you are looking for an effective way to build your credit score, consider the FD Backed Credit Card India as an ideal option to start your journey with an FD Backed Credit Card India. This unique offering is tailored for individuals aiming to establish or improve their credit history.
Why Getting a First Credit Card Is So Hard in India
Most banks want:
- Existing CIBIL score
- Salary proof
- ITR
- Minimum income criteria
- Credit history
But if you’re new to finance, you have none of that.
This is where the SBM ZET Credit Card works differently.
What Is the SBM ZET Credit Card?
The SBM ZET Credit Card is an FD-backed lifetime-free credit card issued in partnership with SBM Bank. Instead of asking for income proof or CIBIL history, it gives you approval against a Fixed Deposit starting from just ₹2,000.
And here’s what makes it powerful:
- 💳 Lifetime-free card
- 🔐 FD-backed (starts at ₹2,000)
- ✅ 100% approval
- 📄 No income proof required
- 📲 UPI credit card feature
- 📈 Improve credit score in just 30 days
- 💰 FD earns interest
- 🔄 FD withdrawable
This unique card offers a pathway to improve your financial standing effectively, which is essential for anyone looking to establish a solid credit score. It’s an ideal choice for those interested in exploring options like an FD Backed Credit Card India.
This is exactly the kind of solution beginners need.
How SBM ZET Credit Card Helps Build CIBIL Score from Zero
Step 1: Create an FD (Starting ₹2,000)
You deposit money into a fixed deposit.
Unlike other secured cards that require ₹10,000–₹25,000, the SBM ZET Credit Card starts at just ₹2,000.
Step 2: Get Credit Limit Against FD
Your credit limit is usually equal to your FD amount.
Deposit ₹5,000 → Get ₹5,000 credit limit.
Simple.
Step 3: Use the Card Like a Normal Credit Card
- UPI payments
- Online shopping
- Swiggy, Zomato
- Amazon Pay & Flipkart vouchers
- Everyday transactions
Step 4: Pay Bills on Time
Within 30–60 days, your repayment history starts reflecting in your CIBIL report.
This is how you build a credit score from zero.
The Big Advantage: Your FD Continues to Earn Interest
This is what most people miss.
Your money is not blocked without benefit.
The FD:
- Earns interest
- Remains in your name
- Can be withdrawn (card gets closed after withdrawal)
So technically, you’re not “spending” ₹2,000. You’re parking it and earning while building credit.
That’s smart finance.
Real Benefits I Noticed with SBM ZET Credit Card
When I explored the app, here’s what stood out:
💰 Cashback & Rewards
- Flat 5% cashback on Amazon Pay & Flipkart vouchers
- Up to 20% off on Swiggy, Zomato & Instamart
- Flat 2% cashback on UPI payments with ZET UPI
For someone who uses UPI daily, 2% cashback actually adds up.
Most secured cards don’t give decent rewards — this one does.
Why SBM ZET Credit Card Is Perfect for Beginners
1️⃣ No CIBIL? No Problem.
This is the biggest relief.
2️⃣ No Income Proof Required
Students, freelancers, self-employed — everyone can apply.
3️⃣ 100% Approval
As long as you create the FD.
4️⃣ Lifetime-Free Card
No joining fee.
No annual fee.
Many entry-level cards hide renewal fees — this doesn’t.
Who Should Get the SBM ZET Credit Card?
The SBM ZET Credit Card is ideal for:
- Freshers starting first job
- Students
- Housewives
- Freelancers
- People rejected due to zero CIBIL score
- Anyone wanting to repair bad credit
If you want to move toward premium cards later, this is a smart first step.
What Most Bloggers Don’t Tell You About Secured Cards
Let me be honest.
This is not a card for high spenders.
It’s a credit-building tool first, rewards card second.
If you:
- Pay late
- Use 100% limit every month
- Don’t clear dues fully
Your score won’t improve much.
The real strategy:
- Use only 20–30% of your limit
- Pay full amount before due date
- Maintain usage for 3–6 months
That’s how you build a solid CIBIL base.
For understanding how credit scores work, you can also refer to the official site of TransUnion CIBIL:
👉 https://www.cibil.com
SBM ZET Credit Card vs Traditional Secured Cards
| Feature | SBM ZET Credit Card | Typical Secured Card |
|---|---|---|
| FD Minimum | ₹2,000 | ₹10,000+ |
| Approval | 100% | Depends |
| Income Proof | Not required | Sometimes required |
| Cashback | Yes | Limited |
| UPI Credit Card | Yes | Rare |
| Lifetime Free | Yes | Often no |
This is why it stands out.
Internal Linking Suggestions
- Link to: “How to Improve CIBIL Score Fast”
- Link to: “Best Credit Cards for Beginners in India”
- Link to: “FD-Backed Credit Cards Explained”
External Resources
- Official CIBIL Website – https://www.cibil.com
- RBI Credit Card Guidelines – https://www.rbi.org.in
Conclusion: Is SBM ZET Credit Card Worth It?
If you have zero CIBIL score and no bank is giving you a credit card, the SBM ZET Credit Card is honestly one of the easiest and smartest starting points.
You:
- Start with just ₹2,000
- Earn FD interest
- Get guaranteed approval
- Build credit history
- Enjoy cashback benefits
- Pay zero annual fee
It removes the biggest barrier beginners face — access.
And once your CIBIL improves, you can move to unsecured premium cards later.
For beginners, this is a stepping stone that actually works.
FAQs on SBM ZET Credit Card
1. Is SBM ZET Credit Card really lifetime-free?
Yes, there is no joining fee and no annual fee.
2. What is the minimum FD amount?
The FD starts at ₹2,000.
3. Does the FD earn interest?
Yes, your FD continues to earn interest.
4. Can I withdraw the FD?
Yes, but the credit card will be closed once you withdraw it.
5. How long does it take to build CIBIL score?
The SBM ZET Credit Card serves as an excellent foundation for individuals aiming to establish their credit score in India. By providing an accessible option for those with no prior credit history, it simplifies the process of entering the credit landscape. As users demonstrate responsible financial behavior, they can transition to unsecured premium cards, enhancing their credit opportunities. This card not only supports initial credit building but also encourages long-term financial growth.