SBM Kredit.Pe Credit Card Review

Welcome to our in-depth review of the SBM Kredit.Pe Credit Card – a card designed for everyone with amazing cashback rewards and hassle-free eligibility. In this comprehensive review, we’ll break down its key features, how it works, rewards, discounts, upgrade offers, and more. Whether you’re a first-time user or looking to switch your current card, this review covers all the essential aspects you need to know.

Key Features

Let’s start with the key features of the SBM Kredit.Pe Credit Card:

• 3% Cashback on Offline Payments: Enjoy a generous 3% cashback when you pay offline using your Kredit.Pe Credit Card.

• 2% Cashback on UPI Transactions: Earn 2% cashback on all UPI transactions made with your Kredit.Pe Credit Card.

• 2% Cashback with All RuPay Credit Cards: Use any RuPay credit card linked to Kredit.Pe to bag a 2% cashback.

• 1% Cashback with Bank Account Payments: Earn 1% cashback when you pay directly from your bank account.

• No Income Proof or Credit History Required: This card is designed for everyone with no credit history needed – enjoy unlimited cashback and flat earnings with absolutely no limits.

How It Works

Getting started with the SBM Kredit.Pe Credit Card is as easy as 1-2-3:

1. Begin with a ₹2,000 Fixed Deposit: Start by making a fixed deposit of ₹2,000 and add more funds whenever you wish.

2. Get Your Kredit.Pe Credit Card: Once your deposit is active, receive your card(90% Limit Of FD Amount).

3. Pay with Kredit.Pe UPI: Use Kredit.Pe UPI to make payments and earn cashback every time.

Card Rewards Details

What rewards does the SBM Kredit.Pe card offer? Here’s a breakdown:

• Unlimited 3% Cashback: Earn 3% cashback on store purchases every time you use your plastic card.

• 2% Cashback on UPI Payments: Enjoy a consistent 2% cashback when paying via UPI.

• Joining Bonus: Receive a ₹100 cashback just for joining.

• Additional Rewards: When using other RuPay credit cards, earn 2% cashback; pay directly from your bank account to get 1% cashback.

Cashback & Discounts Rewards

Not only does the card offer cashback on spending, but you can also redeem these rewards as flat discounts on shopping vouchers. Enjoy attractive discounts with your favorite brands:

• 6% Discount on:

  • Amazon Pay

  • Zepto

  • Amazon Shopping

  • Zomato

  • Flipkart

  • Uber

  • BigBasket

  • BookMyShow

• 12% Discount on:

  • Myntra

  • Swiggy

  • Nykaa

  • Disney+ Hotstar

• 24% Discount on:

  • Dominos

  • PVR

  • Amazon Prime

  • MakeMyTrip

Upgrade & Alternative Offers

If you’ve worked on improving your credit score with the SBM Kredit.Pe secured card, why not take the next step?

• Upgrade Option: Transition seamlessly to the Kredit.Pe exclusive Yes Bank Ace credit card.

• Additional Benefits: Enjoy unlimited 2% cashback with Kredit.Pe UPI along with all the extra rewards that come with the Yes Bank Ace credit card.

Why Choose Kredit.Pe?

Here’s why the SBM Kredit.Pe Credit Card is a great choice:

• Versatile Cashback Rewards: Earn cashback on all your UPI transactions. Whether you pay directly from your bank account or through your RuPay card, rewards are guaranteed every time.

• Enhanced Earnings with RuPay: Use the SBM Kredit.Pe card to unlock even more cashback benefits.

• Tailored for Everyone: With no credit history or income proof required, the card is accessible to all Indian tax-paying residents above 18 years of age.

Eligibility & Application

Who Can Apply?

• The SBM Kredit.Pe card is available to all Indian tax-paying residents above 18 years of age.

• Low Starting Deposit: Begin with a fixed deposit as low as ₹2,000.

• No Credit History or Income Proof Needed: The application process is simple, with minimal requirements.

Usage & Benefits

Can You Use This Card Everywhere?

Absolutely! The versatility of the SBM Kredit.Pe Credit Card means:

• Offline Payments: Use your RuPay credit card to scan and pay at any offline merchant.

• Online Purchases: Utilize your UPI ID for seamless online transactions.

• Extra Cashback: For every ₹100 you spend from your bank account, earn 1% cashback—and if you use your RuPay credit card, benefit from a 2% cashback.

Additional Offers & Referrals

There’s more than just everyday cashback:

• Welcome Offer: Enjoy 2x cashback on UPI payments for the first month after joining.

• Referral Program: Extend your rewards by inviting friends to the app.

• Extra Cashback Opportunities: Earn additional cashback for adding your first bank account, taking a card, and referring new customers.

Alternative RuPay Cards

Looking for another option?

• Yes Bank Ace Card: If you have a good credit score, consider applying for the Yes Bank Ace card. It offers:

  • Unlimited 2% Cashback

  • Lifetime Free Credit Card

  • ₹1500 Joining Bonus

Using Your Cashback

Wondering how to maximize your rewards?
With Kredit.Pe, you can redeem your cashback as flat discounts on vouchers from some of your favorite brands:

• Enjoy flat discounts of 5%, 10%, or 15% off on vouchers from popular platforms such as:

  • Amazon Pay

  • Flipkart

  • Uber

  • Swiggy

  • Zomato

  • BigBasket

  • MakeMyTrip, and many more.

Conclusion

The SBM Kredit.Pe Credit Card is a powerful tool for maximizing your spending rewards. With its seamless process of starting with a small fixed deposit, earning consistent cashback across various transaction types, and unlocking additional benefits through referrals and upgrade options, this card is set to transform everyday spending into rewarding experiences.

If you’re looking for a hassle-free, rewarding card with broad eligibility and multiple cashback benefits, the SBM Kredit.Pe Credit Card is definitely worth considering. Make sure to explore all the fantastic offers and start earning cashback on every transaction!

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