ZET FD-Backed Credit Card Review (2026)
Friday, July 10, 2026
ZET FD Credit Card Review (2026)
Start Your Credit Journey with Just ₹2,000 Fixed Deposit
Download ZET AppThe button above contains my referral link. If you sign up through it and meet the referral program requirements, I may receive a referral reward at no additional cost to you. Thank you for supporting MoneyHam!
If you've always wanted a credit card but couldn't get one because of no credit history, low CIBIL score, or lack of income proof, the ZET FD Credit Card could be one of the easiest ways to start your credit journey.
Unlike traditional credit cards, the ZET Credit Card is backed by a Fixed Deposit (FD), making it an excellent choice for students, freelancers, self-employed professionals, homemakers, and first-time credit card users.
What is the ZET FD Credit Card?
The ZET FD Credit Card is a secured RuPay credit card issued against a Fixed Deposit. Instead of depending mainly on your salary or existing credit history, your FD acts as collateral while continuing to earn interest. This allows many eligible applicants to obtain a credit card more easily while beginning to build a responsible credit history.
Key Highlights
₹2,000 FD
Start with a Fixed Deposit of just ₹2,000.
No Income Proof
No salary slips or income documents required for eligible applicants.
UPI Enabled
Pay at any UPI QR using your RuPay Credit Card.
Earn Interest
Your Fixed Deposit continues earning interest while securing your credit card.
Credit Limit
Get a credit limit linked to your Fixed Deposit amount.
Digital Process
Complete the application process online through the ZET App.
Why Many First-Time Users Choose ZET
Traditional credit cards often require a good credit score and extensive documentation. An FD-backed credit card offers a simple alternative for eligible applicants who want to start using credit responsibly.
Cashback & Rewards
One of the biggest attractions of the ZET FD Credit Card is the opportunity to earn cashback and enjoy attractive shopping offers while making everyday payments.
💰 Flat 2% Cashback on Eligible UPI Payments*
Scan any UPI QR code and pay using your RuPay Credit Card through the ZET App. Eligible users can earn 2% cashback on qualifying UPI transactions, subject to the applicable program terms and limits.
Shopping Rewards
Cardholders can access exciting offers and discounts from many well-known brands.
Amazon
Save more while shopping online.
Flipkart
Exclusive shopping offers.
Swiggy
Food delivery savings.
Zomato
Dining and delivery rewards.
BookMyShow
Entertainment offers.
Nykaa
Beauty and lifestyle discounts.
Ready to Get Your ZET FD Credit Card?
If you're looking for an easy way to begin your credit journey with a low initial Fixed Deposit, download the ZET App and explore the latest FD-backed credit card options.
📲 Download ZET AppReferral Disclosure: The button above is my referral link. If you sign up through it and meet the referral program requirements, I may receive a referral reward at no additional cost to you.
Final Verdict
If you're looking for an affordable way to begin your credit journey, the ZET FD Credit Card is worth considering.
With a minimum Fixed Deposit of just ₹2,000, a simple digital application process, UPI-enabled payments, cashback opportunities, shopping rewards, and interest on your Fixed Deposit, it offers excellent value for many first-time credit card users.
⭐ MoneyHam Recommendation
If you don't qualify for a traditional credit card or want to build your credit profile gradually, an FD-backed credit card can be a practical option. Always review the latest eligibility criteria, fees, cashback terms, and partner offers before applying.
Start Your Credit Journey Today
Ready to explore the ZET FD Credit Card? Click the button below to visit the official application page.
🚀 Download ZET AppThis is a referral link. If you register through it and satisfy the referral program requirements, I may receive a referral reward at no extra cost to you.
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