Research coverage — 12/16 categories
SBM Bank
SBM ZET Credit Card
Best forUtilities & Groceries
Earns1 ZET Coins/₹100 on utilities
1st Year / Joining Fee
₹0
Renewal Fee
₹0
Fee waiver
None
Network
Not recorded
SBM Bank
SBM ZET Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on utilities and groceries, where it earns 1 ZET Coins/₹100
- No annual fee
How you earn
Reward rates at a glance — exactly as recorded for this card.
Utilities1 ZET Coins/₹100
Groceries1 ZET Coins/₹100
Dining1 ZET Coins/₹100
Food Delivery1 ZET Coins/₹100
Shopping1 ZET Coins/₹100
All 16 reward categories · 12 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | No reward | — | —Details
|
| Insurance | — | — | Research pendingDetails
|
| Utilities | 1 ZET Coins/₹100 | — | Base reward 0.20% (1 ZET coin/₹100)Details
|
| Fuel | No reward | — | —Details
|
| Groceries | 1 ZET Coins/₹100 | — | Base reward 0.20% (1 ZET coin/₹100)Details
|
| Dining | 1 ZET Coins/₹100 | — | Base reward 0.20% (1 ZET coin/₹100)Details
|
| Food Delivery | 1 ZET Coins/₹100 | — | Base reward 0.20% (1 ZET coin/₹100)Details
|
| Shopping | 1 ZET Coins/₹100 | — | Base reward 0.20% (1 ZET coin/₹100)Details
|
| Travel | 1 ZET Coins/₹100 | — | Base reward 0.20% (1 ZET coin/₹100)Details
|
| Government | No reward | — | —Details
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Research pendingDetails
|
| FASTag | — | — | Research pendingDetails
|
| Jewellery | — | — | Research pendingDetails
|
| Telecom | 1 ZET Coins/₹100 | — | Base reward 0.20% (1 ZET coin/₹100)Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹0
Renewal Fee
₹0
Fee waiver
None
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
1 ZET Coins/₹100 on utilities
Foreign-currency markup
2.49% foreign-currency markup — Charged on the transaction amount of every foreign-currency transaction (ZET)
Important to know
Limits and exclusions that change what you earn.
- No reward on: Rent, Education, Fuel, Government +1 more
- Research pending: Insurance, Railways, FASTag, Jewellery — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in utilities, groceries, dining
- You want a card with no annual fee
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 5 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — No reward.
- Education — No reward.
- Fuel — No reward.
- Government — No reward.
- Wallet — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to SBM Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: 2.49% foreign-currency markup — Charged on the transaction amount of every foreign-currency transaction (ZET).
Other fees and charges
- ATM withdrawal fee for ZET: 3.5% of the amount withdrawn or ₹300, whichever is higher
- Physical card fee ₹0 for ZET (virtual cards below ₹5,000 FD and physical cards of ₹5,000 FD or more)
- Card replacement fee ₹249 for ZET
- Card renewal fee ₹0 for ZET
- Card cancellation fee ₹499 if cancelled within one year of activation (ZET), applicable until 22 Oct 2026
What DhanChakshu couldn't fully verify · 7 areas
7 areas need further verification. None of these are counted as zero.
- • Insurance — research pending
- • Railways — research pending
- • FASTag — research pending
- • Jewellery — research pending
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-10-07
Verification coverage: 12 of 16 categories verified · 4 still being verified
Card record last checked: 2026-10-07
Documents used
SBM-SRC-005 · SBM-SRC-005
SBM-SRC-001 · SBM-SRC-001
SBM Secured Credit Card MITC & Cardholder Member Agreement · SBM-SRC-006 · 2026-10-07