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 NOW Application 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 ...