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Feature	SBM Bank India SBM Bank ZET Credit Card	Indian Overseas Bank IOB ZET Credit Card
Card essentials Start with pricing, network and the baseline earning rate.
Issuer	SBM Bank India	Indian Overseas Bank
Network	RuPay	RuPay
Annual fee	Lifetime free	Lifetime free
Annual fee waiver	Not required	Not required
Base reward rate	0%	0%
Limits and access Check caps, eligibility and useful access benefits before deciding.
Reward caps	No general cap recorded	No general cap recorded
RuPay credit card on UPI	Eligible for merchant UPI payments	Eligible for merchant UPI payments
Airport lounge access	No complimentary airport lounge access recorded	No complimentary airport lounge access recorded
Forex markup	2.5%	2.5%
Monthly income requirement	Fixed-deposit backed	Fixed-deposit backed
Terms verified	24 Sept 2026	24 Sept 2026
Best suited to	New-to-credit users willing to place a small fixed deposit and route merchant UPI payments through ZET.	Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card.
Main trade-off	The 2% cashback is not free or card-wide: this catalogue proposition includes the ₹3/day ZET Plus cost and requires an eligible merchant UPI payment through ZET. Ordinary card spend has no assigned reward.	The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST.
Actions	Full analysis Apply ↗	Full analysis Apply ↗

Comparison11 decision pointsScan across each row to compare like for like.	SBM Bank IndiaSBM Bank ZET Credit Card Entry · RuPay	Indian Overseas BankIOB ZET Credit Card Entry · RuPay
Card essentialsStart with pricing, network and the baseline earning rate.
Issuer	SBM Bank India	Indian Overseas Bank
Network	RuPay	RuPay
Annual fee	Lifetime free	Lifetime free
Annual fee waiver	Not required	Not required
Base reward rate	0%	0%
Limits and accessCheck caps, eligibility and useful access benefits before deciding.
Reward caps	No general cap recorded	No general cap recorded
RuPay credit card on UPI	Eligible for merchant UPI payments	Eligible for merchant UPI payments
Airport lounge access	No complimentary airport lounge access recorded	No complimentary airport lounge access recorded
Forex markup	2.5%	2.5%
Monthly income requirement	Fixed-deposit backed	Fixed-deposit backed
Terms verified	24 Sept 2026	24 Sept 2026

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SBM Bank ZET Credit Card

New-to-credit users willing to place a small fixed deposit and route merchant UPI payments through ZET.

Main trade-off

The 2% cashback is not free or card-wide: this catalogue proposition includes the ₹3/day ZET Plus cost and requires an eligible merchant UPI payment through ZET. Ordinary card spend has no assigned reward.

Full analysis →Apply ↗

IOB ZET Credit Card

Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card.

Main trade-off

The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST.

Full analysis →Apply ↗