SBM ZET Credit Card Review 2026
Lifetime Free Credit Card | Shopping Cashback | RuPay UPI Benefits
Explore card benefits, charges, cashback conditions and application details.
CHECK OFFER & APPLY NOWApplication approval is subject to issuer verification and eligibility.
Are you looking for a lifetime-free credit card in India that offers shopping cashback, online payment benefits and attractive partner discounts? The SBM ZET Credit Card is an option you may want to explore.
This card advertises zero joining fees and zero annual fees. Its offer details also mention cashback on Amazon and Flipkart, RuPay UPI cashback through ZET, discounts on selected shopping and food partners, and an FD-linked benefit.
However, not every benefit is automatic. Some cashback offers require eligible transactions, and the UPI cashback benefit requires a paid monthly subscription.
In this detailed review, we explain the advertised features, charges, possible benefits, limitations and application process so that you can make an informed decision.
APPLY FOR SBM ZET CREDIT CARD1. SBM ZET Credit Card Highlights
Here is a quick overview of the features mentioned in the offer details.
| Feature | Advertised Details |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Amazon Cashback | Up to 5% |
| Flipkart Cashback | Up to 5% |
| UPI Cashback | Flat 2% through ZET, subject to subscription |
| UPI Subscription | ₹99 per month |
| UPI Cashback Cap | ₹500 per month |
| Partner Discounts | Up to 20% on selected partners |
| Maximum Partner Discount | ₹100 per month per partner, as advertised |
| Interest-Free Period | Up to 45 days, subject to billing cycle and terms |
| FD Benefit | Advertised interest up to 7% |
2. Lifetime Free Credit Card – What Does It Mean?
One of the main attractions of this card is its advertised lifetime-free structure.
According to the offer information:
- Joining fee: ₹0
- Annual renewal fee: ₹0
- No regular annual renewal charge under the advertised fee structure.
A lifetime-free card can be useful for people who want to maintain a credit card without paying a recurring annual fee.
However, lifetime free does not mean completely free borrowing. If you carry an outstanding balance, interest and applicable charges may be payable. Late payment fees, cash advance charges, GST and other charges may also apply.
3. Get Up to 5% Cashback on Amazon
Online shopping is one of the main reasons many people consider a cashback credit card.
The SBM ZET offer page advertises up to 5% cashback on Amazon. This can make the card interesting for eligible online shopping transactions.
For example, consider a hypothetical eligible purchase of ₹5,000. A 5% cashback rate would equal ₹250.
Eligible shopping amount: ₹5,000
Illustrative cashback rate: 5%
Potential cashback: ₹250
Actual cashback depends on eligibility, exclusions, caps and the current offer terms.
Before making a purchase, check whether the transaction qualifies. Do not assume that all Amazon purchases automatically receive 5% cashback.
CHECK SBM ZET CARD OFFER4. Flipkart Cashback Benefits
The offer details also advertise up to 5% cashback on Flipkart.
This may be useful for people who regularly purchase electronics, household products, fashion items and other eligible products online.
Before using the card, check:
- Eligible product categories.
- Cashback exclusions.
- Monthly or transaction cashback limits.
- Offer validity and redemption rules.
Always compare the actual cashback with other available discounts before completing your purchase.
5. RuPay UPI Credit Card – 2% Cashback
Another interesting feature mentioned in the offer details is 2% cashback on eligible UPI payments through ZET.
However, this benefit comes with a subscription condition.
- Advertised cashback rate: Flat 2%.
- Monthly subscription: ₹99.
- Maximum advertised cashback: ₹500 per month.
- Benefit activation through ZET is required.
Is the ₹99 Subscription Worth It?
Let's understand with a simple calculation.
| Details | Amount |
|---|---|
| Illustrative eligible UPI spending | ₹10,000 |
| 2% cashback | ₹200 |
| Monthly subscription | ₹99 |
| Cashback minus subscription | ₹101 |
This example assumes the full spending amount qualifies for cashback. Actual rewards may differ based on eligible transaction rules and exclusions.
6. Discounts on Swiggy, Zomato and BookMyShow
The advertised offer details mention discounts of up to 20% on selected partners.
These include:
- Swiggy
- Zomato
- Instamart
- BookMyShow
The offer information mentions a maximum discount of ₹100, once per month per partner.
For example, if you receive a qualifying discount on a food order, you may reduce your final bill. The actual discount depends on the current partner offer, minimum order amount and applicable conditions.
7. FD-Linked Benefit and Advertised Interest
The offer page mentions an FD-linked feature with interest advertised up to 7%.
If the card is issued against a fixed deposit, it is important to understand the deposit requirements before proceeding.
Check these details carefully:
- Minimum fixed deposit amount.
- Credit limit offered against the deposit.
- Deposit tenure.
- Interest rate and applicable conditions.
- Whether the deposit is held as security.
- Rules for closing the deposit.
Do not assume that every applicant receives the advertised interest rate or the same credit limit.
8. Up to 45 Days Interest-Free Credit Period
The offer page mentions an interest-free credit period of up to 45 days.
This does not mean every purchase automatically gets 45 days. The actual interest-free period depends on your statement generation date and payment due date.
For example, a purchase made shortly after your statement date may receive a longer interest-free period than a purchase made just before your next statement.
To avoid interest charges:
- Pay the total amount due by the payment due date.
- Do not rely only on the minimum amount due.
- Track your statement and payment dates.
- Avoid spending more than you can repay.
9. Who Should Consider This Credit Card?
This card may be worth exploring for the following types of customers:
- People who prefer cards with no advertised joining or annual fee.
- Online shoppers who use Amazon and Flipkart.
- Customers interested in RuPay UPI credit card features.
- People who can benefit from partner discounts.
- Applicants who understand FD-backed credit arrangements.
10. Who Should Avoid or Carefully Compare It?
- People who regularly miss credit card payments.
- Customers who do not want to pay for optional subscriptions.
- People who expect guaranteed cashback on every purchase.
- Applicants who do not understand fixed deposit lock-in conditions.
- Customers who need a card with specific travel or airport lounge benefits.
11. Application Process – How to Apply Online
If you are interested in this card, you can check the current offer and application requirements through the link below.
Step 1: Open the application link.
Step 2: Read the current card offer and eligibility conditions.
Step 3: Enter your own details through the authorised application process.
Step 4: Complete any required verification.
Step 5: Wait for the issuer's application decision.
Do not share your OTP, PIN, password or banking credentials with anyone. Complete the application only through the authorised process.
12. Documents and Eligibility
Do not assume that no income verification or document verification is required simply because an advertisement mentions a simplified application.
The actual requirements can depend on the card variant, applicant profile and issuer policy.
Before applying, check:
- Minimum age requirement.
- Indian residency requirements.
- PAN and identity verification requirements.
- Income or employment conditions, if applicable.
- Fixed deposit requirement, if applicable.
- Credit bureau and issuer approval conditions.
13. Advantages and Disadvantages
Advantages
- Advertised zero joining fee.
- Advertised zero annual fee.
- Up to 5% cashback on selected Amazon and Flipkart purchases.
- Optional UPI cashback benefit.
- Discounts on selected partner brands.
- Advertised FD-linked benefit.
Things to Consider
- UPI cashback requires a ₹99 monthly subscription.
- UPI cashback is capped at ₹500 per month according to the offer details.
- Shopping cashback is subject to eligible transactions.
- Partner discounts have limits.
- FD conditions need to be checked.
- Approval is not guaranteed.
14. Frequently Asked Questions
Q1. Is SBM ZET Credit Card lifetime free?
The offer page mentions Nil joining fee and Nil annual fee. Other applicable charges may still apply.
Q2. Does SBM ZET offer Amazon cashback?
The advertised benefit is up to 5% cashback on eligible Amazon purchases, subject to conditions.
Q3. Does it offer Flipkart cashback?
The advertised offer is up to 5% on eligible Flipkart purchases.
Q4. Is RuPay UPI cashback available?
The offer mentions flat 2% cashback through ZET, with a ₹99 monthly subscription and a ₹500 monthly cashback cap.
Q5. Is there a joining fee?
The advertised joining fee is Nil.
Q6. Is there an annual renewal fee?
The advertised annual fee is Nil.
Q7. Is approval guaranteed?
No. The final application decision is made by the issuer after its applicable eligibility and verification checks.
Q8. Is this card suitable for beginners?
It may be worth exploring, but beginners should understand billing, interest, fees and repayment responsibilities before using any credit card.
Q9. Can I use it for every UPI payment?
Credit card UPI payments are subject to RuPay network rules, merchant acceptance and eligible transaction categories.
Q10. Where can I check the application offer?
Use the application link below to check the current offer and requirements.
CHECK ELIGIBILITY & APPLY NOW15. Final Verdict – Should You Consider SBM ZET Credit Card?
The SBM ZET Credit Card has several interesting advertised features, particularly its zero joining and annual fees, online shopping cashback and optional UPI cashback benefit.
However, the best card is not necessarily the one with the highest advertised cashback. It is the one whose actual rewards, fees and conditions match your spending habits.
If you regularly shop online, use eligible partner offers and understand the UPI subscription requirement, this card may be worth comparing with other available credit cards.
Interested in SBM ZET Credit Card?
Check the latest benefits, charges and eligibility before submitting your application.
APPLY NOW – CHECK OFFERFinal approval and card issuance are subject to issuer policies.
Disclaimer: This article is for educational and informational purposes. We may earn an affiliate commission if you apply through our link and the application qualifies under the affiliate programme terms. We are not the card issuer and cannot guarantee approval, cashback or credit limits. Fees, offers and benefits can change. Verify all current terms with the issuer before applying.
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