Synopsis: This article highlights the SBM Zet RuPay Credit Card, an FD-backed lifetime free card with up to 7% FD interest & additional reward profits. It carries a low risk and helps the user to build credit and earn additional cashback benefits.
The SBM Zet RuPay Credit Card is an FD-secured, lifetime-free credit card thing for people who want to grow their credit but also get extra rewards on the side. Since it is supported by RuPay, it offers that rare configuration where you get fixed deposit interest and extra profit incentives, so it feels worthwhile for first-timers and also for lower-income applicants.
Key Benefits of SBM Zet RuPay Credit Card
- Fees: Joining/Annual fee: NIL (Lifetime-Free Credit Card)
- Cashback & Rewards:
- Flat 5% cashback on Amazon & Flipkart vouchers
- Up to 15% cashback on 80+ brand vouchers (Nykaa, Domino’s, etc.)
- Up to 20% off on Swiggy, Zomato, Instamart, BookMyShow, and more (max discount ₹100, once per month per partner)
- Cashback can be converted to cash and transferred to your bank account
- FD-Backed Savings:
- FD starts from ₹2,000
- Earn up to 7% annual interest
- FD secured and insured under RBI/DICGC protection
- Interest-free period:
- Up to 45 days interest-free credit window
- Pay bills on time to avoid interest charges
- Eligibility criteria:
- Age: 21–65 years
- Minimum FD required: ₹2,000
- Reward Timeline:
- 72 hours: Reward tracking starts after application ID generation
- 75 days: Final reward delivered as Amazon Gift Card via WhatsApp
- Minimum ₹100 transaction required within 30 days
If you open your FD through the Trade Brains Link, you receive additional profits based on your FD amount, separate from bank FD interest.
How the FD + Reward System Works
So, when you open a fixed deposit (FD) linked to the card, you earn:
- Up to 7% annual FD interest on your SBM Bank FD
- Earn Reward Profit Based on Your FD Amount with the SBM Zet Credit Card through the Trade Brains Link
FD-Based Rewards
T&C Apply
Final Verdict
The SBM Zet RuPay FD-backed credit card is a combination card that combines savings + credit + rewards in one ecosystem. The FD provides stable returns, but the added reward structure enhances the overall yield substantially for small investors. Beginners looking for a lifetime free credit card with low risk and additional cashback benefits will find it the best.
Written By Ameet S
