LIFETIME FREE RuPay 📡 Contactless NFC

ZET SBM Credit Card

Joining FeeFREE

Annual FeeFREE

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

Digital shoppers and ZET app users wanting an unconditionally Lifetime Free RuPay card earning ZCoins across popular e-commerce and travel platforms.

Who Should Avoid

Users seeking airport lounge visits or direct bank cash statement adjustments.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Welcome ZCoins credited upon card setup and linking inside the ZET app

Earn ZCoins on Top Brands via ZET

Earn ZCoins on popular brand purchases (Amazon, Flipkart, Myntra, AJIO, Zomato, Uber) via the ZET platform.

ZCoins Rewards on Travel Bookings

Earn ZCoins on travel bookings made via MakeMyTrip, Cleartrip, and Uber.

Lifetime Free Credit Card

Unconditionally Lifetime Free credit card with zero joining and annual maintenance fees.

💰 Reward Structure & Point Valuation

1 ZCoins = ₹1

Standard Base Earning

1% valueback as ZCoins on all regular retail purchases (1 ZCoin = ₹1.00)

Accelerated / Partner Rate

Up to 5% valueback as ZCoins on merchant purchases routed via ZET platform partners (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber); 1% valueback on RuPay UPI QR spends

Points Validity:12 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: ZET App Brand Vouchers & Partner Discounts (1 ZCoin = ₹1.00)

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Unconditionally Lifetime Free (LTF) credit card with zero joining and annual fees

UPI Payments Support✓ Supported (RuPay)

1% valueback in ZCoins on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹150/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit18 - 60 Years

Min. Monthly IncomeN/A

Min. Credit Score0 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,200

Official Bank Portal Application

Get the ZET SBM Credit Card

Lifetime Free Card • Zero Annual Maintenance Charges

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Personalized Card Matcher

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Frequently Asked Questions

Yes, the ZET SBM Credit Card is a Lifetime Free credit card with ₹0 joining fee and ₹0 annual renewal fee.

ZET SBM Credit Card Lifetime Free (₹0)