Earn 3% cashback on all offline (PoS) and online (Ecom) card payments
Earn 3% cashback on UPI payments via Kredit.Pe app
Earn 5% cashback on Kredit.Pe UPI spends above ₹10,000 per month; capped at ₹500 per month
Redeem cashback for 5% discount on digital gold; or 5%, 10% or 15% discount on popular vouchers (AmazonPay, Swiggy, Zomato, Flipkart, Zepto & more) via Kredit.Pe app
FD of ₹10,000 or above unlocks extra 20% discounts on vouchers & digital gold
Fees
Joining Fee₹200 cashback on card activation.
Free
Lifetime Free
Annual FeeThis card has no annual fee — it is lifetime free for cardholders with an FD of ₹5,000 or above.
₹235
₹199 + GST
Eligibility
Age
18-60 years
Salary
0 LPA
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.50%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeSurcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of ₹100 is charged for payments made through cheque
₹100
Cash PaymentA fee of ₹100 is charged for payments made through cash
₹100
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹50
₹501 - ₹5000
5%
₹5001 - ₹10000
5%
₹10001 and above
₹ 1000
A late payment fee is charged when you fail to pay at least the Minimum Amount Due (MAD) on your SBM Kredit.Pe Credit Card by the statement due date. This fee is in addition to the interest that continues to accumulate on the unpaid balance. Late payments can also negatively impact your credit score if consistently missed. As per official info: 5% of outstanding amount (Min ₹50 and Max ₹1000)
