All cards / SBM Bank India
SBM Kredit.Pe RuPay Credit Card
The Kredit.Pe RuPay Credit Card is another SBM Bank India FD-backed secured card, distributed through the Kredit.Pe app and pitched on unlimited UPI cashback. A minimum ₹2,000 FD is enough to get started, with no income proof or credit history required. It functions primarily as a UPI-first cashback card for first-time credit users.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
1% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 18–60
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- Credit limit set at up to 90% of the fixed deposit maintained with SBM Bank via the Kredit.Pe app.
- Unlimited cashback on UPI and offline spends, marketed at up to 5% on UPI transactions.
Pros
- + Low ₹2,000 minimum FD to get started
- + Unlimited cashback advertised on UPI spends
- + No income proof or prior credit history needed
- + Lifetime free, no joining or annual fee
Cons
- − Cashback terms and caps depend on the Kredit.Pe app's own program rules
- − Credit limit is capped by the FD amount
- − Card servicing is app-only, not through SBM's own banking channels
Best for