Synopsis: FD-backed credit cards are becoming a popular choice for users looking to build credit without income proof. Here’s a detailed comparison of SBM ZET, Stable Money Suryoday, and SBM Novio based on cashback, rewards, lounge access, FD returns, and overall benefits in 2026.
In most cases, people found it impossible to obtain a credit card without proof of income until FD-based credit cards brought a change into their lives. The year 2026 has witnessed new additions in this category, which include SBM ZET, Stable Money Suryoday, and SBM Novio. All three cards take a different approach, with some being reward-based, while others are cashback-oriented, and still others offer bank-related facilities.
Stable Money Suryoday SF Bank RuPay Credit Card
- FD Requirement: The minimum FD starts relatively low depending on the variant RuPay (Platinum/Select)
- Benefits:
- 0.5% cashback on eligible transactions across online, offline, and UPI spends
- Cashback capped at ₹3,000 per billing cycle
- Complimentary 8 domestic airport lounge accesses per year (2 per quarter, only for physical cardholders)
- Exclusive RuPay merchant offers across categories
- FD earns up to 8.25% annual interest
- Insurance benefits up to ₹2 lakh (Platinum) and ₹10 lakh (Select)
- RuPay Select variant includes wellness benefits like Gym memberships, Spa & salon services, health check-ups, and Golf benefits
To apply for the card, please visit the Official Website
SBM ZET Credit Card
- FD Requirement: The minimum FD starts from around ₹2,000 and is a FD-backed secured credit card
- Benefits:
- Flat 2% cashback on ZET UPI payments
- Flat 5% cashback on Amazon & Flipkart vouchers
- Up to 15% cashback on 80+ brand vouchers (Nykaa, Domino’s, etc.)
- Up to 20% off on partner platforms like Swiggy, Zomato, Instamart, BookMyShow, etc. (max discount ₹100, once per month per partner)
- Cashback can be converted to cash and transferred to bank account
- FD earns up to 7% annual interest
- 90% of FD amount as credit limit
- Up to 45 days interest-free credit period
To apply for the card, please visit the Official website
Also read: 5 Best Credit Cards That Still Haven’t Been Devalued in 2026: Compare Benefits and Rewards
SBM Novio RuPay FD Credit Card
- FD Requirement: Starts from ₹2,000 (FD-backed secured credit card, varies by variant and bank offer)
- Benefits:
- 5% Novio Coins on UPI transactions and store (offline) spends
- 10% Novio Coins on fuel purchases
- Buy 1 Get 1 offer on BookMyShow
- 5% off on Amazon
- 10% off on Zepto (₹50 max per transaction, ₹499+ orders, 3 times/month)
- 20% off on Swiggy
- Welcome benefits on HPCL, Yatra, and Ajio (₹2,000 spend within 30 days)
- Effective savings via redemption up to 18% (campaign-based offers)
- FD earns up to 7% annual interest
- Credit limit up to 90% of FD amount
- Up to 45 days interest-free credit period
- Instant virtual card after FD creation (physical card available at 10,000 FD)
To apply for the card, please visit the Official Website
Head-to-head Comparison Table
Conclusion
Every credit card that uses FD has its own use in 2026. The best for a new user is SBM ZET; the best for a discount-oriented user is SBM Novio, while Stable Money Suryoday is the best combination.
Written By Ameet S
