SBM Bank Credit Cards
Explore top cards like the Gild Credit Card, SBM ZET Credit Card.
Read our full SBM Bank guide →
2 Cards Found
Gild Credit Card
Joining Fee:
Not Available
Renewal Fee:
Not Available
Reward Type:
Reward Points, Cashback
SBM ZET Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
SBM Bank's FD-Backed Credit Cards
SBM Bank's two credit cards are both secured, FD-backed products - your credit limit is set against a linked Fixed Deposit rather than an income or credit-history check, making them accessible if you're building credit for the first time or don't have income documentation to show.
Why FD-Backed Matters Here
Since approval is secured by the Fixed Deposit rather than your credit history, these cards work even with no prior credit score - the FD itself keeps earning interest (up to 7% p.a. on some variants) and is DICGC-insured up to ₹5 lakh, so your money isn't just locked away, it's still working for you while backing the card.
SBM Bank's FD-Backed Cards
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| SBM ZET Credit Card | Lifetime Free | Reward Points, Cashback | ₹2,000 — Guaranteed approval, CIBIL building, shopping |
| Gild Credit Card | Not Available | Reward Points, Cashback | 390-day FD tenure required — Business, international spends |
How to Choose
Both SBM Bank cards are secured against a Fixed Deposit
Gild Credit Card and SBM ZET Credit Card are both issued against an SBM Bank Fixed Deposit rather than on income/credit history - your credit limit equals the FD value, and the FD itself keeps earning interest (up to 7% p.a. on some variants).
This makes them accessible with no income proof or credit history
Because approval is backed by the FD rather than a credit check, these cards suit people with no credit history, low income documentation, or those specifically wanting to build their CIBIL score.
Check the minimum FD requirement before applying
SBM ZET Credit Card requires a minimum Fixed Deposit of ₹2,000; Gild Credit Card requires a minimum FD tenure of 390 days. Confirm the exact amount and tenure on each card's own page.
The FD is insured, and both cards are zero fee
The linked Fixed Deposit is insured up to ₹5 lakh by the DICGC under the DICGC Act, 1961. Both Gild and SBM ZET charge zero joining and zero renewal fee, earning a combined Reward Points & Cashback structure.