SBM Kredit.Pe RuPay Credit Card
SBM Bank
Last updated: Feb 03, 2026
₹0
₹0
Free
No lounge access
Contents
The SBM Kredit.Pe RuPay Credit Card is an FD-backed, lifetime-free secured card ideal for first-time credit users. You get unlimited cashback on UPI and offline spends, no income proof or prior credit history needed, and the card helps build your credit profile while your FD continues earning interest.
Rewards Structure of SBM Kredit.Pe RuPay Credit Card
Offline Transactions
baseAll store / POS / card payments
Get 3% cashback on any offline card transaction
UPI Payments
baseAll UPI payments via Kredit.Pe or RuPay UPI
Flat 2% cashback on UPI payments
Fees & Charges of SBM Kredit.Pe RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:
Fee Explanation Standard FD-backed secured card fees as per bank’s T&C. Cash advance fee applies as specified; no joining or annual fee.
Detailed Explanation of SBM Kredit.Pe RuPay Credit Card Fees
Joining Fee: 0 (one-time)
Annual Fee: 0 (yearly)
Cash Advance Fee: 2.5% or ₹100 (whichever is higher) (transaction)
Additional Features of SBM Kredit.Pe RuPay Credit Card
FD-backed Credit Limit
Credit limit equal to 90% of fixed deposit amount
No Income Proof Required
Card available even for first-time users without any credit history or income proof
Welcome Bonus with SBM Kredit.Pe RuPay Credit Card
Welcome Bonus: ₹200 cashback on card activation
Bonus Conditions: On first-time activation of the card
Application Process for SBM Kredit.Pe RuPay Credit Card
Processing Time
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Download the Kredit.Pe app or visit SBM Bank branch
Open the required fixed deposit (minimum ~₹2,000)
Apply for SBM Kredit.Pe Credit Card via the app or bank
Complete KYC (ID, address proof)
Card activated and linked — use for payments
Required Documents for SBM Kredit.Pe RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
SBM Kredit.Pe RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Yes – across India wherever RuPay is accepted
International Acceptance
No (RuPay card; overseas acceptance may be limited)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Eligibility Criteria for SBM Kredit.Pe RuPay Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Requires maintaining a fixed deposit (FD) with SBM Bank; credit limit is 90% of FD amount. FD amount auto-renewed until card closure. :contentReference[oaicite:0]{index=0}
How Approval Is Decided
- Maintain required fixed deposit with SBM Bank
- Indian resident
- Valid KYC documents
Pros of SBM Kredit.Pe RuPay Credit Card
- Zero joining fee and annual fee
- High cashback rates — 3% offline, 2% UPI
- Good for building credit history and first-time credit card users
Cons of SBM Kredit.Pe RuPay Credit Card
- Secured card — requires fixed deposit upfront
- No travel or lounge benefits
- Limited features compared to premium cards
Frequently Asked Questions about SBM Kredit.Pe RuPay Credit Card
Do I need income proof or credit history for SBM Kredit.Pe Credit Card?
No. Since this is a fixed-deposit–backed secured card, SBM issues it even without income proof or prior credit history. :contentReference[oaicite:1]{index=1}
What is minimum FD amount to get the card?
Typically you can get the card by creating a fixed deposit as low as ₹2,000. :contentReference[oaicite:2]{index=2}
What is the credit limit on this card?
Credit limit is 90% of the fixed deposit amount maintained with SBM Bank. :contentReference[oaicite:3]{index=3}
What cashback rates do I get on spends?
You get 3% cashback on offline card payments and 2% cashback on UPI payments (uncapped). :contentReference[oaicite:4]{index=4}
Is there any joining or annual fee?
No. The card is lifetime free — no joining fee and no annual fee. :contentReference[oaicite:5]{index=5}
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