IOB Zet FD Credit Card

RuPay / UPILifetime free🔒 FD-backed

Zero Joining, Annual Or Renewal Fee For Life
FD-Backed Card That Lets Your Deposit Earn Up To 7% Interest While Building Your Credit Score
2% Cashback On UPI Transactions, No Income Proof Required

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Is the IOB Zet FD Credit Card worth it?

The IOB Zet FD Credit Card is a RuPay card you can link to UPI from Indian Overseas Bank. It suits everyday UPI payments where you want to pay on credit and still earn rewards. For this card specifically, it's lifetime free, so there's no joining or annual fee, and it's FD-backed, so it approves against a deposit with no income proof. Think twice if you need wide international acceptance (RuPay is mainly domestic).

Headline benefit: Zero Joining, Annual Or Renewal Fee For Life.

Featured in🆓 lifetime-free credit cards 🌱 first credit cards for beginners 💸 cashback credit cards 📲 RuPay credit cards for UPI

Before you apply ✅

Link it in your UPI app to pay by QR on credit — small payments may earn lower or no rewards.
No credit history? This card's deposit-backed approval is a realistic first step.
Confirm the current fee and waiver terms on Indian Overseas Bank's own page before you apply.
Apply for one card at a time — each application is a hard enquiry on your credit report.