What is the interest-free period of an SBM Bank credit card against FD?

You will get an interest-free period of SBM bank credit card against FD ranging from 20 to 50 days.

How can I pay off my dues on my SBM credit card against FD?

You can pay off your credit card dues via UPI or the net banking portal of the SBM Bank.

How to contact SBM Bank to settle billing disputes on credit cards against FDs?

You can call 1800 1033 817 or write an email atcustomercare@sbmbank.co.into register your credit card bill-related grievances.

What happens if I delay the credit card payment date by 5 days from the due date?

If you are unable to pay the minimum amount due within 3 days, it can lead to discontinuation of services. Also, the SBM Bank will mark your card as delinquent to Credit Information Companies.

SBM Credit Card Against FD (FD-Backed): Fees, Eligibility, Apply Online

Stable Money Team

Author Updated on Feb 25, 2026

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On 1st December 2018, SBM Bank commenced operations as the 1st universal bank in India to get a banking license from the RBI. Their headquarters are situated in Mumbai and have 600+ dedicated employees working under this bank. SBM Credit Cards are designed to suit a versatile customer base. You can get attractive credit facilities, discounts, and rewards by using their FD-backed credit cards. Anyone with a prior credit history or new to it can apply for an SBM bank credit card against FD.

Credit Card Types	SBM Credilio Secured Credit Card SBM Magnet Gild Card SBM GILD Rupicard Niyo SBM Global credit card GILD SBM Credit Card OneCard SBM Credit Card Paisabazaar Step-Up SBM Credit Card
Annual Fee	Varies with the card type
Joining Fees	Varies with the card type
Minimum FD Amount	₹2,000
Finance Charges	36% to 42% per annum

How to Apply for an SBM Bank Credit Card Against FD?

You can easily apply for an SBM bank credit card against FD online by following the below-stated steps:

Visit the official site of the SBM bank and fill in the application form with your details such as name, DOB, Email ID, phone number, etc.
Enter the OTP sent to your registered mobile number to verify your details.
Check out the different pre-approved offers available
Submit the required documents like PAN, address proof, identity proof, etc.
Choose the preferred type of credit card and successfully apply for an SBM credit card against FD.

Fees and Charges of SBM Bank Credit Card Against FD

SBM Bank will charge a varied range of fees depending on the type of credit card you opt for. Moreover, the table below includes some of the common fees:

Fee Type	Amount
Joining or Annual Fee	Varies from card to card
Finance Charges	36% to 42% p.a.
Late Payment Fee	Up to ₹100: NilBetween ₹100 to ₹1,000: ₹250Between ₹1,000 to ₹10,000: ₹ 500Above ₹10,000: ₹750

Note: Kindly go through the terms and conditions of different variants separately to get a specific fee and charge.

Features of SBM Bank Credit Card Against FD

SBM Bank offers varied features as per the types of credit cards you choose. However, here you will get some of the common yet prime features of SBM credit card against FD:

SBM bank offers 90% of your fixed deposit amount as a credit limit.
You will get a reward of ₹1 on every spend of ₹100.
You can apply for a SBM credit card against a minimum fixed deposit amount of ₹2000 up to ₹1 lakh.
You would not have to pay any renewal or annual fees.
SBM Bank provides accessible virtual credit cards instantly.
You can get a 6.50% per annum interest on a fixed deposit of 390 days (auto-renewable).

Eligibility Criteria for SBM Bank Credit Card Against FD

Read on to the eligibility criteria before applying for an SBM bank credit card against FD:

You must be 21 years old to apply for an SBM FD-backed credit card.
SBM Bank allows both self-employed and salaried individuals to apply.
You must be an Indian resident.

Types of SBM Bank Credit Cards Against FD

SBM bank offers different secured credit cards which comes with additional perks and benefits. Different types of SBM credit cards are mentioned below-

Credit Card Variant	Rewards	Joining Fees (₹)	Annual Maintenance Fee (₹)	Annual Maintenance Fee Waiver Criteria
SBM MobiKwik First	1% cashback on online e-commerce transactions and offline POS purchases Earn 1% cashback on UPI transactions made through the MobiKwik app on minimum transaction value: ₹2,000 1% cashback model from 1st Feb 2026 (Cashback Program):with Direct wallet credit 5% cashback on all UPI spends	0	0	N/A
SBM ZET	Up to 20% off on Swiggy, Zomato, Bookmyshow, etc.	0	0	N/A
SBM Kredit.Pe	3% cashback on every ₹100 spent on offline (PoS) merchant card payments. 3% cashback on every ₹100 spent on card via UPI on Kredit.Pe. 3% cashback on every ₹100 spent on online (Ecom) merchant card payments	0	199 + GST	Applicable for credit limit under ₹4,500
SBM Credilio	Reward point on every Rs.100 spent on these categories- 10 reward points on fuel (UPI) 1 reward point on fuel (POS) 5 reward points on other categories	0	0	N/A
SBM Magnet	Earn unlimited magnet coins as rewards. EMI and cash Transactions will not be eligible for rewards.	0	0	N/A
SBM Niyo Global	Spend across 180+ countries at zero forex markup 1% valueback on int'l online spends 2% valueback on domestic online spends 3% on niyo travel bookings	0	0	N/A
SBM Paisabazaar Step Up	Reward points will be credited on regular purchases. Earn 1 Reward Point on every purchase of Rs. 100. Cash transactions not eligible for Reward Points.	0	0	N/A
SBM One card	1 Reward Point on every purchase of Rs. 50. For purchase amounts below Rs. 50, fractional points will be credited. Purchases across Top 2 categories in a month will earn “5X” rewards. Points accruing due to 5X rewards will be credited to balance points on the 10th day of the month.	0	0	N/A

Documents Required to Apply for the SBM Bank Credit Card Against FD

Along with the application form, you must have all the below-listed documents handy before applying for an SBM bank credit card against FD.

PAN card
Aadhaar card
Passport
Passport-sized photographs of the depositor and nominee, if any
Salary slip

Conclusion

Choosing SBM bank credit card against FD can give access to various premium banking solutions. SBM Bank offers a diverse range of cards so that you can choose at your convenience. Making an informed decision while choosing an SBM credit card against a fixed deposit helps you reap the maximum benefits during different transactions.