ZET: Credit Score App

Your Easiest Way to Build an 800+ Credit Score Starts with ZET

ZET helps you build your Credit/CIBIL score from scratch with a simple, secure FD-backed credit card. Whether you are new to the concept of credit health or looking to improve your credit score profile from poor to excellent, ZET is here to help you! Trusted by 1 Million+ Indians, ZET helps you build your credit score with a credit card that needs no shiny income proof

With the ZET FD Credit Card, you can begin your credit journey from scratch, make everyday payments using this UPI credit card.

Why Choose ZET?

✅ Instant credit/CIBIL score check
✅ Lifetime free no-cost FD-backed credit card
✅ 100% approval with RBI-insured fixed deposit
✅ Pay via UPI using this UPI credit card
✅ Get cashback & rewards on brands like Amazon Pay, Myntra, Flipkart, & more
✅ Earn up to 7% interest on your bank FD

Check & Build Your Credit Score From Poor → Excellent

With ZET, you can start building a credit score simply by using your UPI credit card for regular purchases. ZET helps you create positive credit activity that strengthens your credit profile over time.
100% of all our first-time credit users see an improvement in their credit score after responsible usage!
ZET FD Credit Card: Your First Step to Building an 800+ Credit Score

ZET offers a Fixed Deposit (FD) backed RuPay credit card. Your FD acts as security, allowing you to access 90% of your FD amount as a credit limit.

You can book an FD starting at just ₹2,000. Book an FD above ₹5,000 and get a free physical ZET FD Credit Card.

Key Features of the ZET FD Credit Card

🪪 Lifetime no-cost credit card with no annual or renewal fees
💯 No income proof or prior credit history required
💰 Earn up to 7% interest on your fixed deposit
⏳ Up to 45-day interest-free credit period
🎁 Exclusive discounts & rewards across popular brands

Pay with ZET UPI Using Your Credit Card

ZET allows you to link your RuPay credit card with your preferred UPI app & make seamless payments for everyday needs, all while building an 800+ credit score.

Earn Cashback & Rewards on Everyday Spending

ZET rewards you for using your FD-backed credit card responsibly.
✅ 2% cashback on ZET UPI payments with an active ZET Plus subscription (₹3/day)
✅ Up to 20% instant discount on Swiggy, Zomato, BookMyShow, and Instamart
✅ Up to 15% cashback on 80+ brands
✅5% cashback on Amazon Pay and Flipkart vouchers

Credit Builder Membership

Take your credit journey to the next level with ZET’s Credit Builder Membership, starting at just ₹99 per month. Membership benefits include

→ Improve your credit score faster with guided insights
→ Access to exclusive Credit Builder Loans for eligible users
→ One-on-one consultation with credit experts
→ Personalised analysis of your credit report

Credit Builder Loans
Lending services on ZET are offered through our partner institutions, including Mpokket Financial Services Private Limited, Krazybee Services Private Limited, and FDPL Finance Pvt Ltd.

Our Lending Partners RBI registered NBFC
→ FDPL Finance Pvt Ltd

ZET also offers short-term credit builder loans ranging from ₹500 to ₹5000 at affordable interest rates (APR: 18%-36% p.a., Tenure: 3-6 months) to improve your credit score.

Hypothetical Loan Scenario:
→ Loan Amount: ₹500
→ Tenure: 3 months
→ Interest Rate: 30% p.a.
→ Total Interest: ₹25
→ EMI: ₹175 per month
→ Total Repayment: ₹525

Our Lending Partners: RBI-registered NBFC
→ FDPL Finance Pvt Ltd

Our Bank Partners
→ Indian Overseas Bank
→ DCB Bank
→SBM Bank India

How Do We Use SMS Permission?
→ We send only one SMS during the SIM binding process
→ We do not read, store, or access your messages
→ No spammy marketing messages

Download ZET for seamless credit score improvement with the help of an FD-backed UPI Credit Card!