SBM

SBM Kredit.Pe Credit Card

Apply for SBM Kredit.Pe Credit Card and earn 3% cashback on offline spends and 2% on UPI. Lifetime free, FD-backed, and no income proof or credit history required. Best for first-time credit users.

ShoppingOnline Food OrderingUPI
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Issued by

SBM

SBM Kredit.Pe Credit Card image
Joining FeeFree
Annual Fee₹199
Income₹0
Credit Score720

Key Highlights

Get 3% Cashback

on every ₹100 spent on online merchant card payments on ecommerce transactions

Shopping

Redeem Your Cashback for 5%, 10% or 15% Extra Discount

on popular brand vouchers like Amazon Pay, Flipkart, Myntra and more

Online Food Ordering

Use Your Cashback to Buy Swiggy & Zomato

vouchers with 5–15% extra discount

UPI

Get 3% Cashback

on every ₹100 spent on online merchant card payments on ecommerce transactions

Shopping

Get 3% Cashback

on every ₹100 spent on online merchant card payments on ecommerce transactions

Redeem Your Cashback for 5%, 10% or 15% Extra Discount

on popular brand vouchers like Amazon Pay, Flipkart, Myntra and more

Use your Cashback to buy Swiggy & Zomato

vouchers with 5–15% extra discount

Eligibility

Age Criteria18-60

Applicants must be between 18 and 60 years of age at the time of application.

Credit Score720

A minimum credit score of 720+ is recommended for approval.

Salaried Income₹0 LPA

No income proof required; FD-backed card

Self-employed Income₹0 LPA

No income proof required; FD-backed card

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree

This card has no joining fee

Joining Fee Offset₹200 cashback on card activation.
Annual Fee₹199

Cardholders with an FD below ₹5,000 are subject to a renewal fee of ₹199 plus applicable taxes from the second year onwards.

Annual Fee WaiverThis card has no annual fee — it is lifetime free for cardholders with an FD of ₹5,000 or above.
Estimated Annual Saving₹3600

Rewards & Redemption

Reward ConversionN/A
Redemption Options

This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.

Earning ExclusionsRent Payment, ATM Cash Withdrawals, Financial Charges, Wallet Loads, Education Spends, Agriculture, Contracted Services, Transportation, Utility Bill Payments, Government-related Transactions
Spend ExclusionsRent Payment, ATM Cash Withdrawals, Financial Charges, Wallet Loads, Education Spends, Agriculture, Contracted Services, Transportation, Utility Bill Payments, Government-related Transactions

Benefits

All Benefits

  • Earn 3% cashback on all offline (PoS) and online (Ecom) card payments
  • Earn 3% cashback on UPI payments via Kredit.Pe app
  • Earn 5% cashback on Kredit.Pe UPI spends above ₹10,000 per month; capped at ₹500 per month
  • Redeem cashback for 5% discount on digital gold; or 5%, 10% or 15% discount on popular vouchers (AmazonPay, Swiggy, Zomato, Flipkart, Zepto & more) via Kredit.Pe app
  • FD of ₹10,000 or above unlocks extra 20% discounts on vouchers & digital gold

Welcome Benefits

  • ₹200 cashback joining bonus on card activation

Dining Benefits

  • Get up to 70% off on Swiggy and Zomato vouchers

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

https://www.kredit.pe/policy/sbmCardUsageTnC

FAQ

Apply Now