Trusted by 10 lakh+ users
Trusted by 10 lakh+ users
Build a 750+ Credit Score
Build a 750+ Credit Score
With ZET FD Credit Card
With ZET FD Credit Card
Fixed Deposit starts at ₹2,000
Fixed Deposit starts at ₹2,000
Fixed Deposit starts at ₹2,000
100% guaranteed approval
100% guaranteed approval
100% guaranteed approval
No income proof needed
No income proof needed
No income proof needed
Download ZET
4.6
4.5
No income proof needed
No income proof needed
ZET FD Credit Card
ZET FD Credit Card
Build your credit score the fastest way
Build your credit score the fastest way
FD-backed Credit Card
Book a fixed deposit to enjoy savings while building a 750+ credit score
FD starts at just ₹2,000
Earn up to 7% interest on FD
90% of FD amount as credit limit
FD-backed Credit Card
Book a fixed deposit to enjoy savings while building a 750+ credit score
FD starts at just ₹2,000
Earn up to 7% interest on FD
90% of FD amount as credit limit
FD-backed Credit Card
Book a fixed deposit to enjoy savings while building a 750+ credit score
FD starts at just ₹2,000
Earn up to 7% interest on FD
90% of FD amount as credit limit
UPI Credit Card
Use your ZET FD Credit Card to make quick UPI payments on the go
Flat 2% cashback on ZET UPI payments
Instant payments with ZET FD Card
Safe and secure payments
UPI Credit Card
Use your ZET FD Credit Card to make quick UPI payments on the go
Flat 2% cashback on ZET UPI payments
Instant payments with ZET FD Card
Safe and secure payments
UPI Credit Card
Use your ZET FD Credit Card to make quick UPI payments on the go
Flat 2% cashback on ZET UPI payments
Instant payments with ZET FD Card
Safe and secure payments
Rewards and Cashback
Get instant discounts and cashback on everyday spends
Up to 20% off on
Flat 5% cashback
Up to 15% cashback on 80+ brands
Rewards and Cashback
Get instant discounts and cashback on everyday spends
Up to 20% off on
Flat 5% cashback
Up to 15% cashback on 80+ brands
Rewards and Cashback
Get instant discounts and cashback on everyday spends
Up to 20% off on
Flat 5% cashback
Up to 15% cashback on 80+ brands
Power of a 750+ Credit Score
Power of a 750+
Credit Score
Open doors to bigger and better opportunities
Opens doors to bigger and
better opportunities
Cheaper Home Loans
A 750+ credit score indicates stability and brings down interest rates on home loans.
Cheaper Home Loans
A 750+ credit score indicates stability and brings down interest rates on home loans.
Lower Insurance Premiums
A healthy credit score reflects good financial health and helps lower insurance premiums
Lower Insurance Premiums
A healthy credit score reflects good financial health and helps lower insurance premiums
Higher Credit Limits
Higher credit score improves your chances of getting bigger loans and higher credit card limits.
Higher Credit Limits
Higher credit score improves your chances of getting bigger loans and higher credit card limits.
Affordable Personal Loans
A healthy credit score reflects good financial health and helps lower insurance premiums
Affordable Personal Loans
A healthy credit score reflects good financial health and helps lower insurance premiums
Access to Premium Credit Cards
Banks prefer offering their premium cards to users with a strong credit score.
Access to Premium Credit Cards
Banks prefer offering their premium cards to users with a strong credit score.
Affordable Personal Loans
Lenders offer personal loans at lower interest rates when you have a strong credit profile
Affordable Personal Loans
A healthy credit score reflects good financial health and helps lower insurance premiums
Access to Premium Credit Cards
Banks prefer offering their premium cards to users with a strong credit score.
Access to Premium Credit Cards
Banks prefer offering their premium cards to users with a strong credit score.
Flat 2% Cashback With ZET UPI
ZET FD Credit Card users with an active ZET Plus subscription earn flat 2% cashback on all ZET UPI spends
Flat 2% Cashback
With ZET UPI
ZET FD Credit Card users with an
active ZET Plus subscription earn flat
2% cashback on all ZET UPI spends
Upgrade Your ZET Credit Card Rewards With ZET Plus
Unlock Exclusive Benefits With
ZET Plus
ZET Plus users enjoy exclusive benefits on UPI transactions, voucher payments, and more at just ₹3/day
Exclusive Benefits with ZET Plus
Exclusive Benefits with ZET Plus
Exclusive Benefits with ZET Plus
Cashback on UPI
Voucher Convenience Fee
Monthly ZCoins Capping
Cyber Fraud Insurance
Real-time Bureau Alerts
PLUS
PLUS
2%
2000
Basic
0%
1000
Hear It From Our Happy Customers
Mohit V
Agra
Before, my credit score was just 520, and I’ve faced a lot of loan rejections because of that. Now my credit score is 750 after I started using the ZET FD Credit Card and I recently got my personal loan also approved.
Mohit V
Agra
Before, my credit score was just 520, and I’ve faced a lot of loan rejections because of that. Now my credit score is 750 after I started using the ZET FD Credit Card and I recently got my personal loan also approved.
Chandrasekar
Bengaluru
Since the time I have started using the ZET Credit Card, I’ve saved a lot! All because of the 5% cashback I get every time I buy Flipkart and Amazon Pay vouchers. Their benefits and offers are truly very good.
Chandrasekar
Bengaluru
Since the time I have started using the ZET Credit Card, I’ve saved a lot! All because of the 5% cashback I get every time I buy Flipkart and Amazon Pay vouchers. Their benefits and offers are truly very good.
Ravi Teja Naidu
Vijaywada
I do a lot of UPI payments daily, but never found any offers on UPI apps useful. Now it’s been 3 months since i’ve started using ZET UPI, and I’ve almost earned ₹800 just from UPI cashback.
Ravi Teja Naidu
Vijaywada
I do a lot of UPI payments daily, but never found any offers on UPI apps useful. Now it’s been 3 months since i’ve started using ZET UPI, and I’ve almost earned ₹800 just from UPI cashback.
C Revathi
Guntur
My cousin's account got hacked last year because of some fraud transactions. After that, I was always worried of doing online payments. Now with ZET Plus, I feel very safe because of their fraud protection feature.
C Revathi
Guntur
My cousin's account got hacked last year because of some fraud transactions. After that, I was always worried of doing online payments. Now with ZET Plus, I feel very safe because of their fraud protection feature.
Frequently Asked Questions
Frequently Asked Questions
How is the ZET FD Credit Card different from other credit cards?
The ZET FD Credit Card is designed to help you build a 750+ credit score, even if you are just starting or have a low credit score. Unlike typical credit cards that may require extensive paperwork, a credit history or a stable income, the ZET FD Credit Card is backed by a Fixed Deposit (FD). This means you can get approved easily, and your FD earns up to 7% interest. Your FD is safe and insured by the RBI. The ZET FD Credit Card is lifetime free with no annual or hidden fees, and you get 90% of your FD amount as your credit limit, allowing you to manage your spending responsibly. Alongside building a strong credit profile, it also provides rewards, cashback, and discounts on popular platforms like Swiggy, Zomato, Instamart, and BookMyShow.
How can I improve my credit score quickly?
Building a good credit score requires both consistency and understanding how credit works. With the ZET FD Credit Card, the journey becomes simpler. Key steps include: 1) Pay your bills on time: Always clear your credit card bills or any EMIs before the due date. 2) Keep credit utilisation low: Ideally, use less than 30% of your available credit limit to show responsible usage. 3) Maintain a healthy credit mix: Having both secured (like FD-backed credit cards) and unsecured credit strengthens your profile. 4) Check your credit report regularly: Correct any errors promptly to avoid unnecessary score drops. 5) Avoid too many new credit applications: Multiple hard inquiries in a short period can reduce your score. By following these steps and using tools like the ZET FD Credit Card consistently, many users see a noticeable improvement in their credit score within a few months.
What if I have a low credit score or no credit history?
Starting from scratch or rebuilding a low credit score can feel challenging, but ZET provides practical solutions to help you gain control over your credit profile. You can start building your profile with the ZET FD Credit Card, which does not require a credit history or income proof to apply. Your fixed deposit earns interest, and your on-time repayments are reported to credit bureaus, helping you build your credit score.
What kind of support can I expect from ZET?
ZET’s support goes beyond just offering a credit card or credit score building. You have access to: 1) Dedicated customer support whenever you need help or have questions 2) Expert advice to understand your credit report and improve your score 3) Educational resources with personalised insights to make smarter financial decisions 4) Credit-building tools like the ZET FD Credit Card, Smart FD, and guidance from ZET Fixit to ensure your financial journey is smooth and effective
How is the SBM ZET Credit Card different from other credit cards?
The SBM ZET Credit Card is backed by a Fixed Deposit (FD), making approval easy even if you have a low or no credit score. It has zero joining or annual fees, with an FD starting at just ₹2,000. With responsible use, it helps you build your credit score while offering the same benefits as regular credit cards - rewards, secure transactions, and spending flexibility. It’s a simple and cost-effective way to strengthen your financial profile.
How can I achieve a 750+ credit score quickly?
Follow these steps to build a strong credit score: 1) Pay on time: Always clear credit card bills and EMIs before the due date. 2) Keep credit utilisation low: Use less than 30% of your limit (e.g., ₹15,000 on a ₹50,000 limit). 3) Maintain a credit mix: Use both secured (FD-backed) and unsecured credit to strengthen your profile. 4) Check your credit report: Regularly review for errors and correct inaccuracies. 5) Limit credit applications: Too many hard inquiries can lower your score. With responsible usage, you can reach a 750+ credit score in just a few months.
What should I do if I have a low credit score or no credit history?
If you have a low credit score or no credit history, ZET offers the ZET FD Credit Card to help you improve your financial standing. The ZET FD Card allows you to build your credit score while earning interest on your fixed deposit. By using the card responsibly, you can start seeing improvements in your credit score within just 30 days. With consistent, timely payments, you can unlock better financial opportunities and enhance your credit profile.
How long does it take to build a good credit score?
It usually takes 3-6 months of consistent credit usage to build a good score. However, with the right strategies, you can speed up the process. Our ZET FD Credit Card helps you improve your score faster.
What kind of support does ZET provide?
ZET offers complete support to help you build and maintain a 750+ credit score, including: 1) Dedicated customer support: Get help whenever you need it. 2) Expert guidance: Learn how to improve your credit score. 3) Educational resources: Access personalized insights and financial tips. 4) Credit-building tools: Use our secured credit card to grow your score.
What is ZET and how does it help Indians build a credit score?
ZET is an Indian fintech app designed to help unserved and underserved Indians enter the formal credit system. ZET offers an FD-backed credit card that requires no income proof and no prior credit history, making it accessible to first-time credit users. By using the ZET FD Credit Card responsibly and making timely payments, users can build a 750+ credit score. ZET also provides UPI payments, cashback rewards, credit monitoring, and tools like ZET Fixit to help users improve and protect their credit profiles.
How is ZET different from other credit building apps in India?
ZET stands out from other credit apps in India by offering a fully functional FD-backed credit card rather than just a score tracker or advice tool. The ZET FD Credit Card requires no income proof, no credit history, and has zero annual fees. Users earn up to 7% interest on their fixed deposit while building a credit score. ZET also integrates UPI payments, offers up to 15% cashback on 80+ brands, and provides tools like ZET Fixit for credit report error resolution. Over 10 lakh Indians trust ZET with a 4.5-star Play Store rating.
Can I get a ZET credit card without income proof or a credit history?
Yes. The ZET FD Credit Card is designed specifically for users who have no credit history or cannot provide income proof. Approval is 100% guaranteed and based on a fixed deposit starting at just 2,000 rupees, not on your salary or credit score. ZET reports your card usage to credit bureaus, allowing you to build a credit score from scratch. This makes ZET ideal for students, self-employed individuals, gig workers, and first-time credit seekers across India.
What is the minimum fixed deposit needed to get a ZET FD Credit Card?
The minimum fixed deposit to get a ZET FD Credit Card is 2,000 rupees. Once your FD is booked, 90% of the FD amount becomes your credit limit. Your FD earns up to 7% interest annually and is insured under DICGC up to 5 lakh rupees. You can top up the FD anytime through the ZET app starting from just 500 rupees, up to a maximum of 10 lakh rupees, which proportionally increases your credit limit.
How long does it take to reach a 750+ credit score with ZET?
With consistent and responsible use of the ZET FD Credit Card, many users start seeing improvements in their credit score within 30 to 45 days. Reaching a 750+ score typically takes 3 to 6 months depending on your starting score and usage habits. ZET users who pay bills on time, keep credit utilisation below 30%, and avoid multiple credit applications tend to see the fastest results. ZET has documented real user journeys where scores improved from as low as 520 to 750+.
What cashback and rewards does ZET offer on everyday spending?
ZET FD Credit Card holders get up to 20% off on Swiggy, Zomato, Instamart, and BookMyShow. Users also earn flat 5% cashback on Amazon Pay and Flipkart vouchers, and up to 15% cashback on vouchers from 80+ top brands. ZET Plus subscribers at 3 rupees per day earn an additional flat 2% cashback on all ZET UPI transactions. All cashback earned can be converted to cash and transferred directly to your bank account.
What is ZET Plus and what benefits does it include?
ZET Plus is ZET's premium subscription available at just 3 rupees per day. ZET Plus subscribers get flat 2% cashback on every ZET UPI transaction, zero convenience fees on voucher purchases, lifetime validity on ZCoins with a higher monthly cap of 2,000, real-time credit bureau alerts, cyber fraud insurance, and dark web monitoring to protect personal data. ZET Plus is designed for users who want to maximise rewards and stay protected while building their credit score with the ZET FD Credit Card.
Is ZET safe and is it regulated by the RBI?
Yes, ZET is a regulated and trusted fintech platform. The fixed deposits backing ZET FD Credit Cards are insured by DICGC (an RBI subsidiary) up to 5 lakh rupees. ZET operates in partnership with RBI-regulated banks including SBM Bank India, DCB Bank, and Indian Overseas Bank. ZET also holds an NBFC license and a TPAP licence for UPI services. Over 10 lakh users trust ZET, and it holds a 4.5-star rating on the Google Play Store.
What real-life benefits does a 750+ credit score unlock in India?
A 750+ credit score opens significant financial advantages for Indians. Users who build a strong score with ZET can access cheaper home loan interest rates, lower insurance premiums, higher credit limits, affordable personal loans at lower interest rates, and eligibility for premium credit cards from major banks. Lenders view a 750+ score as a signal of financial stability, which translates to better terms across nearly every financial product. ZET's tools are designed specifically to help users reach and maintain this threshold.
How many users trust ZET and what is its app rating?
ZET is trusted by over 10 lakh Indians and serves users across 15,000+ PIN codes nationwide. The ZET app has a 4.5-star rating on the Google Play Store. ZET is backed by prominent fintech founders including Kunal Shah of CRED, Harshil Mathur of Razorpay, Jitendra Gupta of Jupiter, and Madhusudan E of KreditBee. This combination of user traction, investor backing, and partnerships with RBI-regulated banks makes ZET one of India's most trusted credit-building platforms.
Can I use the ZET credit card for UPI payments?
Yes. ZET FD Credit Card holders can make instant UPI payments by scanning any QR code through the ZET app using ZET UPI. ZET Plus subscribers earn a flat 2% cashback on every ZET UPI transaction. This makes the ZET FD Credit Card one of the few secured credit cards in India that supports UPI payments, helping users build credit while paying for daily expenses at shops, restaurants, and online platforms.
What is the difference between the ZET Plus plan and the basic plan?
The basic ZET plan gives users access to the ZET FD Credit Card with standard rewards including up to 15% cashback on 80+ brands and discounts on Swiggy, Zomato, and BookMyShow. ZET Plus, at 3 rupees per day, adds flat 2% cashback on ZET UPI transactions, zero convenience fees on voucher purchases, a higher ZCoins monthly cap of 2,000 versus 1,000, real-time credit bureau alerts, and cyber fraud and dark web protection. ZET Plus is suited for frequent UPI users who want maximum rewards and protection.
How does ZET report my card usage to improve my credit score?
ZET reports your ZET FD Credit Card usage and repayment behaviour to credit bureaus on a regular basis. Every on-time payment you make is recorded and contributes positively to your credit history. ZET uses Experian as its primary bureau, and your score is updated accordingly. Responsible usage, such as keeping credit utilisation below 30% and paying dues before the due date, helps build a strong credit profile. ZET users have reported score improvements from below 600 to 750+ within a few months of consistent usage.
How is the ZET FD Credit Card different from other credit cards?
The ZET FD Credit Card is designed to help you build a 750+ credit score, even if you are just starting or have a low credit score. Unlike typical credit cards that may require extensive paperwork, a credit history or a stable income, the ZET FD Credit Card is backed by a Fixed Deposit (FD). This means you can get approved easily, and your FD earns up to 7% interest. Your FD is safe and insured by the RBI. The ZET FD Credit Card is lifetime free with no annual or hidden fees, and you get 90% of your FD amount as your credit limit, allowing you to manage your spending responsibly. Alongside building a strong credit profile, it also provides rewards, cashback, and discounts on popular platforms like Swiggy, Zomato, Instamart, and BookMyShow.
How can I improve my credit score quickly?
Building a good credit score requires both consistency and understanding how credit works. With the ZET FD Credit Card, the journey becomes simpler. Key steps include: 1) Pay your bills on time: Always clear your credit card bills or any EMIs before the due date. 2) Keep credit utilisation low: Ideally, use less than 30% of your available credit limit to show responsible usage. 3) Maintain a healthy credit mix: Having both secured (like FD-backed credit cards) and unsecured credit strengthens your profile. 4) Check your credit report regularly: Correct any errors promptly to avoid unnecessary score drops. 5) Avoid too many new credit applications: Multiple hard inquiries in a short period can reduce your score. By following these steps and using tools like the ZET FD Credit Card consistently, many users see a noticeable improvement in their credit score within a few months.
What if I have a low credit score or no credit history?
Starting from scratch or rebuilding a low credit score can feel challenging, but ZET provides practical solutions to help you gain control over your credit profile. You can start building your profile with the ZET FD Credit Card, which does not require a credit history or income proof to apply. Your fixed deposit earns interest, and your on-time repayments are reported to credit bureaus, helping you build your credit score.
What kind of support can I expect from ZET?
ZET’s support goes beyond just offering a credit card or credit score building. You have access to: 1) Dedicated customer support whenever you need help or have questions 2) Expert advice to understand your credit report and improve your score 3) Educational resources with personalised insights to make smarter financial decisions 4) Credit-building tools like the ZET FD Credit Card, Smart FD, and guidance from ZET Fixit to ensure your financial journey is smooth and effective
How is the SBM ZET Credit Card different from other credit cards?
The SBM ZET Credit Card is backed by a Fixed Deposit (FD), making approval easy even if you have a low or no credit score. It has zero joining or annual fees, with an FD starting at just ₹2,000. With responsible use, it helps you build your credit score while offering the same benefits as regular credit cards - rewards, secure transactions, and spending flexibility. It’s a simple and cost-effective way to strengthen your financial profile.
How can I achieve a 750+ credit score quickly?
Follow these steps to build a strong credit score: 1) Pay on time: Always clear credit card bills and EMIs before the due date. 2) Keep credit utilisation low: Use less than 30% of your limit (e.g., ₹15,000 on a ₹50,000 limit). 3) Maintain a credit mix: Use both secured (FD-backed) and unsecured credit to strengthen your profile. 4) Check your credit report: Regularly review for errors and correct inaccuracies. 5) Limit credit applications: Too many hard inquiries can lower your score. With responsible usage, you can reach a 750+ credit score in just a few months.
What should I do if I have a low credit score or no credit history?
If you have a low credit score or no credit history, ZET offers the ZET FD Credit Card to help you improve your financial standing. The ZET FD Card allows you to build your credit score while earning interest on your fixed deposit. By using the card responsibly, you can start seeing improvements in your credit score within just 30 days. With consistent, timely payments, you can unlock better financial opportunities and enhance your credit profile.
How long does it take to build a good credit score?
It usually takes 3-6 months of consistent credit usage to build a good score. However, with the right strategies, you can speed up the process. Our ZET FD Credit Card helps you improve your score faster.
What kind of support does ZET provide?
ZET offers complete support to help you build and maintain a 750+ credit score, including: 1) Dedicated customer support: Get help whenever you need it. 2) Expert guidance: Learn how to improve your credit score. 3) Educational resources: Access personalized insights and financial tips. 4) Credit-building tools: Use our secured credit card to grow your score.
What is ZET and how does it help Indians build a credit score?
ZET is an Indian fintech app designed to help unserved and underserved Indians enter the formal credit system. ZET offers an FD-backed credit card that requires no income proof and no prior credit history, making it accessible to first-time credit users. By using the ZET FD Credit Card responsibly and making timely payments, users can build a 750+ credit score. ZET also provides UPI payments, cashback rewards, credit monitoring, and tools like ZET Fixit to help users improve and protect their credit profiles.
How is ZET different from other credit building apps in India?
ZET stands out from other credit apps in India by offering a fully functional FD-backed credit card rather than just a score tracker or advice tool. The ZET FD Credit Card requires no income proof, no credit history, and has zero annual fees. Users earn up to 7% interest on their fixed deposit while building a credit score. ZET also integrates UPI payments, offers up to 15% cashback on 80+ brands, and provides tools like ZET Fixit for credit report error resolution. Over 10 lakh Indians trust ZET with a 4.5-star Play Store rating.
Can I get a ZET credit card without income proof or a credit history?
Yes. The ZET FD Credit Card is designed specifically for users who have no credit history or cannot provide income proof. Approval is 100% guaranteed and based on a fixed deposit starting at just 2,000 rupees, not on your salary or credit score. ZET reports your card usage to credit bureaus, allowing you to build a credit score from scratch. This makes ZET ideal for students, self-employed individuals, gig workers, and first-time credit seekers across India.
What is the minimum fixed deposit needed to get a ZET FD Credit Card?
The minimum fixed deposit to get a ZET FD Credit Card is 2,000 rupees. Once your FD is booked, 90% of the FD amount becomes your credit limit. Your FD earns up to 7% interest annually and is insured under DICGC up to 5 lakh rupees. You can top up the FD anytime through the ZET app starting from just 500 rupees, up to a maximum of 10 lakh rupees, which proportionally increases your credit limit.
How long does it take to reach a 750+ credit score with ZET?
With consistent and responsible use of the ZET FD Credit Card, many users start seeing improvements in their credit score within 30 to 45 days. Reaching a 750+ score typically takes 3 to 6 months depending on your starting score and usage habits. ZET users who pay bills on time, keep credit utilisation below 30%, and avoid multiple credit applications tend to see the fastest results. ZET has documented real user journeys where scores improved from as low as 520 to 750+.
What cashback and rewards does ZET offer on everyday spending?
ZET FD Credit Card holders get up to 20% off on Swiggy, Zomato, Instamart, and BookMyShow. Users also earn flat 5% cashback on Amazon Pay and Flipkart vouchers, and up to 15% cashback on vouchers from 80+ top brands. ZET Plus subscribers at 3 rupees per day earn an additional flat 2% cashback on all ZET UPI transactions. All cashback earned can be converted to cash and transferred directly to your bank account.
What is ZET Plus and what benefits does it include?
ZET Plus is ZET's premium subscription available at just 3 rupees per day. ZET Plus subscribers get flat 2% cashback on every ZET UPI transaction, zero convenience fees on voucher purchases, lifetime validity on ZCoins with a higher monthly cap of 2,000, real-time credit bureau alerts, cyber fraud insurance, and dark web monitoring to protect personal data. ZET Plus is designed for users who want to maximise rewards and stay protected while building their credit score with the ZET FD Credit Card.
Is ZET safe and is it regulated by the RBI?
Yes, ZET is a regulated and trusted fintech platform. The fixed deposits backing ZET FD Credit Cards are insured by DICGC (an RBI subsidiary) up to 5 lakh rupees. ZET operates in partnership with RBI-regulated banks including SBM Bank India, DCB Bank, and Indian Overseas Bank. ZET also holds an NBFC license and a TPAP licence for UPI services. Over 10 lakh users trust ZET, and it holds a 4.5-star rating on the Google Play Store.
What real-life benefits does a 750+ credit score unlock in India?
A 750+ credit score opens significant financial advantages for Indians. Users who build a strong score with ZET can access cheaper home loan interest rates, lower insurance premiums, higher credit limits, affordable personal loans at lower interest rates, and eligibility for premium credit cards from major banks. Lenders view a 750+ score as a signal of financial stability, which translates to better terms across nearly every financial product. ZET's tools are designed specifically to help users reach and maintain this threshold.
How many users trust ZET and what is its app rating?
ZET is trusted by over 10 lakh Indians and serves users across 15,000+ PIN codes nationwide. The ZET app has a 4.5-star rating on the Google Play Store. ZET is backed by prominent fintech founders including Kunal Shah of CRED, Harshil Mathur of Razorpay, Jitendra Gupta of Jupiter, and Madhusudan E of KreditBee. This combination of user traction, investor backing, and partnerships with RBI-regulated banks makes ZET one of India's most trusted credit-building platforms.
Can I use the ZET credit card for UPI payments?
Yes. ZET FD Credit Card holders can make instant UPI payments by scanning any QR code through the ZET app using ZET UPI. ZET Plus subscribers earn a flat 2% cashback on every ZET UPI transaction. This makes the ZET FD Credit Card one of the few secured credit cards in India that supports UPI payments, helping users build credit while paying for daily expenses at shops, restaurants, and online platforms.
What is the difference between the ZET Plus plan and the basic plan?
The basic ZET plan gives users access to the ZET FD Credit Card with standard rewards including up to 15% cashback on 80+ brands and discounts on Swiggy, Zomato, and BookMyShow. ZET Plus, at 3 rupees per day, adds flat 2% cashback on ZET UPI transactions, zero convenience fees on voucher purchases, a higher ZCoins monthly cap of 2,000 versus 1,000, real-time credit bureau alerts, and cyber fraud and dark web protection. ZET Plus is suited for frequent UPI users who want maximum rewards and protection.
How does ZET report my card usage to improve my credit score?
ZET reports your ZET FD Credit Card usage and repayment behaviour to credit bureaus on a regular basis. Every on-time payment you make is recorded and contributes positively to your credit history. ZET uses Experian as its primary bureau, and your score is updated accordingly. Responsible usage, such as keeping credit utilisation below 30% and paying dues before the due date, helps build a strong credit profile. ZET users have reported score improvements from below 600 to 750+ within a few months of consistent usage.
Media Mentions
10 Lakh+
Indians trust ZET
4.5
Rating on Play Store
15,000+
PIN Codes Served
Media Mentions
10 Lakh+
Indians trust ZET
4.5
Rating on Play Store
15,000+
PIN Codes Served
Media Mentions
10 Lakh+
Indians trust ZET
4.5
Rating on Play Store
15,000+
PIN Codes Served
4.6
4.5