All cards / SBM Bank India
SBM Paisabazaar Paisa+ Credit Card
RuPay
SBM Paisabazaar Paisa+ Credit Card
Paisa+ is Paisabazaar's co-branded secured credit card with SBM Bank India, built for new-to-credit consumers, students, and anyone rebuilding a credit profile. The minimum FD requirement of just ₹2,000 makes it one of the most accessible secured cards on the market, though the cashback tier depends on how large the linked FD is. It's a starter card, not a spend-optimisation tool.
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, utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
1.5% reward rate
- 🧾 Utilities
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
- FD-backed secured card starting from as little as ₹2,000 fixed deposit.
- 1.5% cashback on online spends when the linked FD is above ₹10,000, plus 1% on offline and UPI spends above ₹2,000.
Pros
- + Very low minimum FD requirement of ₹2,000
- + No income proof needed
- + Cashback scales up with a larger linked FD
- + Zero joining and annual fees
Cons
- − Higher cashback tier only unlocks with a bigger FD
- − Not suited for high-limit or premium spending needs
- − Card management routed through the Paisabazaar app
Best for