Increase Your Credit Score to 750+ | RuPay Credit Card for UPI | Cashback on 80+ Leading Brands |100% Guaranteed FD-Backed Approval

Build your credit score, make UPI payments on a credit card, and get cashbacks & rewards; all in one simple & powerful app. ZET helps you start your credit score journey even without income proof or prior credit history. Trusted by 10 lakh+ Indians, ZET offers a secure way to build & improve your credit score.

You simply have to use our RuPay UPI Credit Card for shopping to build a 750+ credit score!

Book a Fixed Deposit starting from just ₹2,000 and get your ZET FD-backed RuPay Credit Card. Book an FD above ₹5,000 and get a physical ZET FD Credit Card at no cost!

Why Choose ZET?

✅ Check your Credit / CIBIL Score instantly
✅ Get a lifetime no-cost FD-backed RuPay Credit Card
✅ Use ZET UPI credit card for everyday payments
✅ Get cashback & discounts on 80+ brands
✅ RBI-Insured Fixed Deposit with partner banks
✅ Get fraud alerts and credit monitoring tools
✅Flat 2% ZET UPI Cashback with active ZET Plus subscription at ₹3/day
80% of our users see an improvement in their credit score in just 30-45 days of responsible usage!
ZET FD Credit Card
ZET offers a Fixed Deposit (FD) backed RuPay credit card where your FD acts as a security deposit, allowing you to access 90% of your FD amount as a credit limit, even if you have no credit score history at all!.
Features of the ZET FD Credit Card
💸Minimum FD amount of ₹2000
🤑 Lifetime no-cost credit card with no annual or renewal fees
💯 No income proof or credit history needed
💰 Exclusive discounts & cashback on 80+ brands
✔️ 45-day interest-free credit period
💸 Earn up to 7% interest on your RBI-insured FD

ZET UPI

Pay using UPI directly from your ZET UPI Credit Card for daily expenses like groceries, bills, shopping, and travel. Also, earn a flat 2% cashback on every ZET UPI payment you make using the ZET FD/UPI Credit Card with an active ZET Plus subscription.
Cashback & Rewards
Make every payment more rewarding with ZET. Enjoy exciting offers like:
✅ 2%* cashback on ZET UPI payments with an active ZET Plus subscription (₹3/day)
✅ Up to 20% instant discount* on Swiggy, Zomato, BookMyShow, and Instamart
✅ Up to 15%* cashback on 80+ brands
✅5%* cashback on Amazon Pay & Flipkart vouchers

Credit Builder Membership

Take control of your credit journey with the ZET Credit Builder Membership at just ₹99 per month. Exclusive membership benefits include:
→ One-on-one consultation with credit score experts
→ Personalised video analysis of your credit report
→ Access to exclusive Credit Builder Loans
→ Guidance to improve your credit score faster
Credit Builder Loans
ZET also offers short-term credit builder loans ranging from ₹500 to ₹5000 at affordable interest rates (APR: 18%-36% p.a., Tenure: 3-6 months) to improve your credit score. This is perfect for people who are looking to add positive credit activity to their credit health.

Hypothetical Loan Scenario:
→ Loan Amount: ₹500
→ Tenure: 3 months
→ Interest Rate: 30% p.a.
→ Total Interest: ₹25
→ EMI: ₹175 per month
→ Total Repayment: ₹525

Our Bank Partners
→ Indian Overseas Bank
→ DCB Bank
→ SBM Bank India
Privacy & SMS Permission
ZET requests SMS permission only for secure verification during SIM binding.
→ Only one SMS is sent during the verification process
→ We do not read or store your personal messages
→ Your data and privacy remain protected
Our Banking Partners

→ Indian Overseas Bank
→ DCB Bank
→ SBM Bank India

How Do We Use SMS Permission?

→ We send only one SMS during the SIM binding process
→ This is done with your consent
→ We do not read, store, or access your messages
→ No marketing messages are sent using this permission

Download ZET Start Building Your Credit Score With Us Today!
Need Help?
Email: care@zetapp.in
Phone: +91-9910992875
*T&C Apply