#1₹1,440/yr
SBI Card against Fixed Deposit
80% of FD value · No CIBIL Needed
Wins this head-to-head — about ₹1,440/yr net after fees on typical spends.
No CIBIL Needed·SBM Bank India
SBM Bank India secured RuPay card via ZET — ₹5,000 MITC minimum FD. Partner voucher deals are not a published base earn rate.
Age 18–65 · Secured — FD-backed secured card from ₹5,000 · Secured card
Key Benefits
All 9 benefits →Annual fee
Lifetime free
Credit limit
90% of FD
MITC minimum FD ₹5,000
Base earn
No published % — partner vouchers on ZET app
Quiz uses a conservative 0.5% placeholder
Annual fee
Free
Lifetime free
Zero sales calls. Ever.
Caps & exclusions verified · 2026-11-06
At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: SBM ZET KFS/MITC — ₹0 membership, ₹5,000 minimum FD, 90% limit, 2.49% forex. ZET app voucher discounts are not a T&C earn rate.
FD-backed — build credit from scratch
RuPay FD-backed card — can be linked on UPI apps. Base catalog earn is a conservative 0.5% placeholder; ZET Plus 2% UPI is a paid subscription, not modeled.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: SBM ZET KFS/MITC — ₹0 membership, ₹5,000 minimum FD, 90% limit, 2.49% forex. ZET app voucher discounts are not a T&C earn rate.
Annual fee
Lifetime free
Credit limit
MITC minimum FD ₹5,000
90% of FD
Example: ₹10,000/mo spend → ≈ ₹9,000/mo
Base earn
Quiz uses a conservative 0.5% placeholder
No published % — partner vouchers on ZET app
Forex markup
2.49%
Based on moderate spend for this market
Est. net annual
₹1,561
per year
Annual fee
Free
per year
Effective return
0.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 2.49% — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
2.49%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
18–65 years · Yes — from ₹5,000 — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹1,860/year. After the ₹0 annual fee, net value is approximately ₹1,561/year. Use the calculator above to model your own spends.
No income proof required. FD-backed secured card from ₹5,000.
Cash withdrawal.
Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
