{"id":9034,"date":"2026-05-28T17:54:16","date_gmt":"2026-05-28T12:24:16","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=9034"},"modified":"2026-05-28T17:54:20","modified_gmt":"2026-05-28T12:24:20","slug":"sbm-zet-vs-stable-money-suryoday-vs-sbm-novio-which-secured-credit-card-offers-the-best-benefits","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/sbm-zet-vs-stable-money-suryoday-vs-sbm-novio-which-secured-credit-card-offers-the-best-benefits\/","title":{"rendered":"SBM ZET vs Stable Money Suryoday vs SBM Novio: Which Secured Credit Card Offers the Best Benefits?"},"content":{"rendered":"\n
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Synopsis:<\/strong> FD-backed credit cards are becoming a popular choice for users looking to build credit without income proof. Here\u2019s 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.<\/em><\/p>\n<\/blockquote>\n\n\n\n

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.\u00a0<\/p>

\"scapia<\/a><\/div>\n\n\n\n

Stable Money Suryoday SF Bank RuPay Credit Card<\/a><\/strong><\/h2>\n\n\n\n
    <\/ol>\n\n\n\n
      \n
    • FD Requirement: <\/strong>The minimum FD starts relatively low depending on the variant RuPay (Platinum\/Select)<\/li>\n\n\n\n
    • Benefits:<\/strong>\n
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      • 0.5% cashback on eligible transactions across online, offline, and UPI spends<\/li>\n\n\n\n
      • Cashback capped at \u20b93,000 per billing cycle<\/li>\n\n\n\n
      • Complimentary 8 domestic airport lounge accesses per year (2 per quarter, only for physical cardholders)<\/li>\n\n\n\n
      • Exclusive RuPay merchant offers across categories<\/li>\n\n\n\n
      • FD earns up to 8.25% annual interest\u00a0<\/li>\n\n\n\n
      • Insurance benefits up to \u20b92 lakh (Platinum) and \u20b910 lakh (Select)<\/li>\n\n\n\n
      • RuPay Select variant includes wellness benefits like Gym memberships, Spa & salon services, health check-ups, and Golf benefits<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

        To apply for the card, please visit the Offici<\/strong><\/a>a<\/strong><\/a>l Website<\/strong><\/a><\/p>\n\n\n\n

        SBM ZET Credit Card<\/a><\/strong><\/h2>\n\n\n\n
          <\/ol>\n\n\n\n
            \n
          • FD Requirement: <\/strong>The minimum FD starts from around \u20b92,000 and is a FD-backed secured credit card <\/li>\n\n\n\n
          • Benefits:<\/strong>\n
              \n
            • Flat 2% cashback on ZET UPI payments<\/li>\n\n\n\n
            • Flat 5% cashback on Amazon & Flipkart vouchers<\/li>\n\n\n\n
            • Up to 15% cashback on 80+ brand vouchers (Nykaa, Domino\u2019s, etc.)<\/li>\n\n\n\n
            • Up to 20% off on partner platforms like Swiggy, Zomato, Instamart, BookMyShow, etc. (max discount \u20b9100, once per month per partner)<\/li>\n\n\n\n
            • Cashback can be converted to cash and transferred to bank account<\/li>\n\n\n\n
            • FD earns up to 7% annual interest\u00a0<\/li>\n\n\n\n
            • 90% of FD amount as credit limit<\/li>\n\n\n\n
            • Up to 45 days interest-free credit period<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

              To apply for the card, please visit the Official website<\/a><\/strong><\/p>