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ZET × SBM/IOB

ZET IOB Secured Card

Build your credit score with a 100% FD-backed card.

Apply on ZET × SBM/IOB →Last updated: 3 June 2026

Key highlights

  • No CIBIL required
  • FD as low as ₹2,000
  • 100% credit limit on FD

Pros & cons

Pros
  • No CIBIL required
  • FD as low as ₹2,000
  • 100% credit limit on FD
Cons
  • Joining/annual fee applies — check the spec sheet
  • Requires a fixed deposit as collateral
  • Interest on revolving balance is high — avoid carrying a balance

Eligibility

  • Indian resident, 21 years or older
  • Salaried or self-employed with stable income
  • Valid PAN and Aadhaar
  • No minimum CIBIL score required (FD-backed)

Documents required

  • PAN card
  • Aadhaar card
  • Latest 3 months salary slips or ITR
  • Last 3 months bank statement

Frequently asked questions

How do I apply for the ZET IOB Secured Card?+

You can apply online through the issuer's website. SurfBP links you to the official application form — the final decision rests with ZET × SBM/IOB.

Will applying impact my CIBIL score?+

A formal application triggers a hard enquiry which may temporarily reduce your CIBIL score by a few points. Apply only when you genuinely need the card.

What happens if I miss a payment?+

Late payments attract interest (typically 36–46% p.a.), late fees, and can damage your credit score. Always pay at least the minimum amount due by the due date.

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