IOB ZET Credit Card
74/100
·
FREE
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Indian Overseas Bank
IOB ZET Credit Card
RuPay
LIFETIME FREE
Secured Credit Card (FD-Backed)
RUPAY
IOB ZET Credit Card
by Indian Overseas Bank · Data verified 4 days ago
IOB ZET Credit Card issued by Indian Overseas Bank in partnership with ZET (Advgrowth Technologies).
74
Score
Based on rewards, fees, benefits & eligibility
FREE
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
2 per year Lounges
complimentary
Lifetime FREE
waiver available
74/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Net Annual Value
You save per year!
What's Great
- Secured credit card against Indian Overseas Bank Fixed Deposit
- 100% approval with no CIBIL or income verification required
- RuPay card enabled for instant UPI QR merchant payments
- Up to 2 complimentary domestic airport lounge visits per year on RuPay Platinum variant
Things to Consider
- Requires mandatory Fixed Deposit collateral with IOB
- Rewards focused primarily on partner merchant ecosystem
Perfect For
Active users of ZET (Advgrowth Technologies) and digital shoppers
About This Card
IOB ZET Credit Card is a next-generation co-branded card offering tailored benefits on ZET (Advgrowth Technologies) and nationwide merchant networks.
Annual Fee
FREE
Joining Fee
FREE
Lifetime Free
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.50% - 3.00%
Foreign Transaction Fee
Markup on international txns
2.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹200/mo
Interest-Free Period
On new purchases if paid in full
50
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹250) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹101-₹500
₹100
₹501-₹1,000
₹250
₹1,001-₹5,000
₹500
>₹5,000
₹750
1
Reward Pts
₹0.25
Point Value
0.00%
Cashback
Welcome Bonus
8,000 bonus Reward Points (worth ₹2,000) upon card activation & first retail transaction within 30 days
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Shopping, Dining & Travel | 5X | |
| Other Retail Purchases | 2X | |
| Insurance, Utility & Telecom | 1X |
Point Value: 1 point = ₹0.25
Domestic Lounges
2 per year
Fuel Savings
₹200/mo
Shopping
- •Secured RuPay credit card backed by Public Sector Bank (IOB) Fixed Deposit starting at just ₹2,500
- •Instant guaranteed approval with 0 income proof, 0 salary slips, and 0 credit score requirement
- •Earn standard IOB term deposit interest on the underlying Fixed Deposit
- •Credit limit granted up to 90% of the deposited FD amount
- •Ideal credit-builder product reported to all 4 credit bureaus (CIBIL, Experian, Equifax, CRIF)
- •RuPay UPI integration enables scan-and-pay transactions at millions of merchants nationwide
- •1% fuel surcharge waiver for fuel spends between ₹500 and ₹3,000 across India
Travel
- •2 complimentary domestic airport lounge visits per year
Partner Benefits
- •Exclusive co-branded rewards and deals on ZET (Advgrowth Technologies) platform
EMI Options
- •Flexible EMI conversion available for retail purchases over ₹2,000
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
74
out of 100
CardSahayak Score
"Apply Now" takes you to Indian Overseas Bank's official website.
Eligibility
Salaried
₹25,000/mo
Self-Employed
₹30,000/mo
Age
18-75 yrs
CIBIL
720+
Employment
Salaried / Self-Employed
Card Variant
Classic / Platinum
Scores
Rewards
16/100
Fees
98/100
Benefits
26/100
Access
84/100
1 Active Offer
Deals & Offers
Exclusive offers available on IOB ZET Credit Card
RuPay Network Offers
Experience seamless UPI payments with instant 20% savings on food orders and movie tickets with RuPay credit card linkage.
20
Till 31 Dec 2026
RUPAY20
dining
Discount
Flat 20% instant discount
Min Spend
₹299
Max Savings
₹100
Valid Until
31 Dec 2026
How to Avail
Link this RuPay credit card to your favorite UPI app and enter RUPAY20 at checkout.
Terms & Conditions
Valid on UPI transactions done via RuPay credit cards on partner merchant platforms.
Use Code:
RUPAY20
Visit Offer
❓ FAQ
Frequently Asked Questions
Everything you need to know about IOB ZET Credit Card
To be eligible, you need:
- • Min age: 18 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹30,000/month min
- • CIBIL: 720+ recommended
IOB ZET Credit Card comes with zero annual fee — completely free for life!
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: 8,000 bonus Reward Points (worth ₹2,000) upon card activation & first retail transaction within 30 days on activation!
Redeem for flights, hotels, vouchers via Indian Overseas Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 2 per year
- → Entry classic variant has no complimentary lounge access.
- → Higher tier RuPay Platinum/Select card provides 2 complimentary domestic lounge visits per year.
- • Instant: Pre-approved Indian Overseas Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IOB ZET Credit Card today and unlock amazing rewards and premium experiences.
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