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ZET RuPay
Annual feeLifetime free
RewardsPoints
SBM Bank India • RuPayEveryday cashback

ZET RuPay

Updated 06 Jun 2026StaleFull review overdue2 sources checked
Freshness warning: oldest recorded evidence is 128 days old (06 Jun 2026). Treat fees, rewards, lounge access, and offers as stale until refreshed.

Point redemption value is unverified; annual estimate withheld.

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Before deciding

Open an FD starting at ₹2,000 to secure your credit limit

Skip it if

Monthly rewards are capped at 2,000 ZET Coins (₹500 cash value)

Latest change: Updated SBM ZET card database file to reflect RuPay network, zero fees, FD terms, and rewards structures

For UPI transactions and credit score building. Reward estimate withheld; review model limits. No annual fee. Skip it for lounge access.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

UPI transactions and credit score building

  • UPI scan & pay enabled on RuPay network
  • FD-backed credit limit starting at ₹2,000 with up to 7% p.a. interest
  • Up to 15% cashback on 80+ partner brand vouchers
  • No income proof or CIBIL score required for approval
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Requires ZET Plus subscription (₹99/month) to unlock 2% UPI cashback
  • Cancellation fee of ₹499 + GST applies if closed within the first year
  • FD pre-closure penalty of 1% is charged by SBM Bank
  • Rewards capped at 2,000 ZET Coins (₹500 cash value) per month
Annual FeeFreeNo annual fee.
Spend to Waive FeeNot neededThis card is lifetime free.
Best Category ReturnWithheldModel limits
Lounge Access ConditionNo accessNo lounge access listed.

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • Open an FD starting at ₹2,000 to secure your credit limit.
  • Use the card for standard UPI scans, ensuring monthly spends cross ₹5,000 to justify the ZET Plus membership.
  • Avoid closing the card within the first 12 months to prevent fee penalties.

Watch before applying

  • Monthly rewards are capped at 2,000 ZET Coins (₹500 cash value).
  • Exclusions and pre-closure penalties apply.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

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