App Profile: ZET - Build Your Credit Score

INTRODUCING THE SBM ZET CREDIT CARD

The SBM ZET Credit Card is a secured credit card backed by an RBI-insured FD. It helps you build your credit score to 750+ and can be used for transactions across all UPI apps.

WHY CHOOSE SBM ZET CREDIT CARD?

-100% APPROVAL GUARANTEED: Your FD secures your card, so no more rejections.
-NO INCOME PROOF – No credit history or income proof is required.
-UPI CREDIT CARD: Pay for anything, anywhere, anytime with ease.
-CASHBACK: Shop vouchers from 80+ brands, earn real cashback, and send it straight to your bank.
-Discounts: Get up to 20% off on Swiggy, Zomato, and BookMyShow
-RBI-INSURED FD: Your fixed deposit is secured up to ₹5 lakhs and earns you up to 7% interest.
-UPI rewards coming soon

To activate your SBM ZET Credit Card, a one-time SIM binding via SMS is required. This security step verifies your device and phone number, preventing SIM fraud and unauthorized access.

HOW DO WE USE SMS PERMISSION

-We send only one SMS during the SIM binding process
-This is done with your explicit consent
-We do not read, store, or access your SMS messages
-No marketing or promotional use of this permission

WHY IS SIM BINDING REQUIRED?

This verification step is critical to ensure that the person activating the card is the rightful device owner. It protects against SIM swap attacks and identity fraud, ensuring a secure onboarding experience for our users.

How It Works

Start your application via ZET
Create a fixed deposit with SBM Bank through the ZET app (minimum ₹5,000).
Complete your video KYC and receive a virtual credit card instantly.
Use the card, earn cashback, and build your credit history.

We also have the Credit Builder Membership on ZET, which is designed to help you build or repair your credit score to access better financial opportunities. Unlike traditional loans, this product focuses on creating financial discipline. Making regular and timely payments, you can steadily improve your credit score and establish a positive credit history.

WHAT’S INCLUDED IN THE MEMBERSHIP?

-EXPERT GUIDANCE: Learn how to build and maintain a 750+ credit score from experts.
-FRAUD DETECTION: Get instant alerts on any suspicious activity in your credit report.
-DETAILED REPORT ANALYSIS: Know what’s affecting your credit score with a personalised video analysis of your latest credit report.
-CREDIT BUILDER LOAN*: Improve your credit score with a small loan of ₹500. repayable in easy ₹175/month EMIs.
CREDIT BUILDER LOAN:
-Get short-term personal loans from ₹500 to ₹5,000 at affordable rates (APR: 18%-36% p.a., Tenure: 3-6 months).
-Perfect for those looking to add positive credit activity and give their score a further boost.

ELIGIBILITY:

-Indian National
-Age 18+
TRANSPARENT LOAN EXAMPLE:
-Loan Amount: ₹500
-Tenure: 3 months
-Interest Rate: 30% p.a.
-Total Interest: ₹25
-EMI: ₹175 per month
-Total Repayment: ₹525

Our Lending Partners:

Meghdoot Mercantile Private Limited
Nsmk Investments Pvt. Ltd.

TRUSTED BY THE BEST IN THE INDUSTRY

We’ve raised multiple funding rounds from renowned investors like Sequoia Capital, General Catalyst, WaterBridge Ventures, and Nexus Ventures. Our advisors and supporters include India’s top entrepreneurs like Kunal Shah (CRED), Gaurav Munjal (UNACADEMY), and Harshil Mathur (RAZORPAY). Plus, we’ve been spotlighted in Mint, INC42, YourStory, Business Standard, and The Economic Times.

START BUILDING YOUR CREDIT SCORE TODAY!

Download the ZET App now to join 5 lakh+ users who have improved their credit score!

NEED HELP?
Reach us at [email protected] or call +91-9910992875 for any queries.