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NEW TO CREDIT
SBM Step Up Credit Card
SBM Bank Step Up Credit Card is a secured card against a fixed deposit of just ₹2,000 — no income proof, no credit score, 1 Reward Point per ₹100 and a nil annual fee
Annual Savings
₹10000
Joining Fee
₹500
Annual Fee
₹0
Credit Score
720+
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Smart Analysis
Best For
Online Shopping
Reward Type
Cashback
Network
VISA
Employment
both
Fee Waiver Logic
Not Applicable
Expert Tip
If your yearly spends cross the waiver limit, this card practically becomes FREE while still giving premium cashback returns.
Redemption
- Rewards Points are adjusted against your credit card bill
Conversion Rate:
1 Reward Point = ₹0.25
All Card Benefits
Detailed reward structure and cashback analysis
| Age Criteria | 21-60 years |
| Salaried Income | ₹3 LPA |
| Self Employed Income | ₹3 LPA |
| CRIF Score | 720+ |
| Income Comment |