SBM Kredit.Pe Credit Card
SBM Bank India · Checked 2026-10-11
SBM Kredit.Pe Credit Card is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
CardIQ editorial view
Our take
SBM Kredit.Pe Credit Card is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Who it suits
- People who prioritise RuPay UPI payments.
- People who prioritise straightforward cashback.
- Applicants comfortable backing the card with the issuer's required fixed deposit.
Key strengths
- Cashback and Kredit.Pe rewards on eligible UPI purchases.
Trade-offs to understand
- Cashback and Kredit.Pe rewards on eligible UPI purchases; issuer and partner caps, exclusions and redemption rules apply.
- The ₹199 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
Consider it when the fixed-deposit route is useful to you; compare the deposit requirement and exit conditions before applying.
Compare before deciding
- Utkarsh super.money superCard — A lower-fee way to compare similar strengths in building credit with a fixed deposit and RuPay UPI payments.
- Federal Paisabazaar Paisaback Credit Card — A higher-fee option to compare for broader benefits around RuPay UPI payments and straightforward cashback.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Cashback and Kredit.Pe rewards on eligible UPI purchases; issuer and partner caps, exclusions and redemption rules apply.
- The regulated issuing bank, not the fintech partner, approves and issues this credit card.
- Confirm current acquisition offers and fees before applying.