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SBM ZET Credit Card VS Gild Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 16 March 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
SBM ZET Credit Card
SBM ZET Credit Card
Gild Credit Card
Gild Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeNot Available
Renewal FeeLifetime Free
Renewal FeeNot Available
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees
Foreign Transaction FeesZero forex mark-up on international transactions with Niyo SBM Global Credit Card.
Interest Rate (APR)Enjoy a 45-day interest-free credit period on UPI payments.
Interest Rate (APR)

Rewards & Benefits

Welcome Bonus
Welcome BonusCo-branded cards offer great rewards, cashback, engagement rewards, or exclusive rewards from premium brands.
Rewards RateEarn ZCoins from 1% to 100% and direct discounts from 2.5% to 10% on transactions.
Rewards RateEarn unlimited magnet coins on SBM Magnet or cashback offers on SBM Kredit.Pe Credit Card.
Reward TypeReward Points, Cashback
Reward TypeReward Points, Cashback
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsZero forex mark-up benefit with Niyo SBM Global Credit Card for international spends.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver

Security & Other

Insurance BenefitsSBM Bank FD is insured up to ₹5 lakh by the DICGC under the DICGC Act 1961.
Insurance Benefits
Cash Advance Charges
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

SBM ZET Credit Card

Gild Credit Card

Who is it for?

The SBM ZET Credit Card is an FD-backed, lifetime-free card designed for credit building, offering 100% guaranteed approval without income proof or credit history. It supports UPI payments and allows users to earn up to 7% interest on their linked Fixed Deposit. Ideal for first-time credit users or those aiming to improve their credit score, it provides exclusive discounts and brand vouchers. This card is a strong choice for financial growth and credit diversification.

Who is it for?

The SBM Bank Secured Credit Card offers an assured credit facility by opening a Fixed Deposit, making it ideal for entrepreneurs and self-employed professionals to build or improve their credit score. It provides a credit limit equal to the FD value, which continues to earn interest up to 7% p.a. The card eliminates lengthy application processes and offers diverse co-branded options with tailored rewards like zero forex and cashback. This card is highly recommended for those needing to establish credit securely while earning returns on their savings.

Pros

Key benefits and features.

Great for credit building, 80% users see score improvement in 30 days.

Enjoy lifetime-free status with no joining or renewal fees ever.

Seamlessly make UPI payments across all apps, enhancing convenience.

Earn attractive interest rates of up to 7% on your linked Fixed Deposit.

Guaranteed 100% approval without needing income proof or credit history.

Pros

Key benefits and features.

Assured Approval: Eliminates lengthy application forms and waiting periods.

Credit Building: Effectively helps in building and improving your credit score with timely bill payments.

Fixed Deposit collateral earns assured interest, up to 7% p.a. for some card variants.

Provides a credit limit equal to the Fixed Deposit value, offering financial flexibility.

Access to diverse co-branded cards offering specific benefits like zero forex, cashback, and UPI.

Cons

Key drawbacks and limitations.

Requires a Fixed Deposit as collateral, which might be a barrier for some users.

Specific reward categories and detailed redemption steps for ZCoins are not clearly outlined.

Does not offer specific travel, lounge access, or movie benefits.

Detailed list of other charges requires referring to external SBM Bank documents.

Cons

Key drawbacks and limitations.

Requires a Fixed Deposit as collateral, meaning funds are locked up for the card.

Lack of detailed information on general reward rates and comprehensive fee structure.

Credit limit is strictly tied to the Fixed Deposit amount, limiting potential growth.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for SBM ZET Credit Card(opens in new tab)Apply for Gild Credit Card(opens in new tab)