Have limited or no credit history? FD-backed SBM Paisabazaar Paisa+ credit card helps build credit; offers up to 7% FD returns
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Paisabazaar and SBM Bank India launch SBM Paisabazaar Paisa+ credit card
Getting a credit card can be difficult for people with little or no credit history. Paisabazaar and SBM Bank today (Wednesday, June 10, 2026) announced the launch of the SBM Paisabazaar Paisa+ credit card, which will be backed by a fixed deposit investment of at least Rs 2,000.
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Who can benefit from SBM Paisabazaar Paisa+ credit card?
The SBM Paisabazaar Paisa+ credit card has been designed for first-time credit card users, students and young professionals, individuals with limited credit history and consumers looking to improve a low credit score.
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Build credit while earning returns on fixed deposits
The SBM Paisabazaar Paisa+ credit card offers the dual benefit of strengthening credit history through responsible usage and fixed deposit returns of up to 7% per annum.
With a minimum FD requirement of just Rs 2,000 to get the credit card, consumers can start their credit journey with a relatively small investment.
With a minimum FD requirement of just Rs 2,000 to get the credit card, consumers can start their credit journey with a relatively small investment.
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Cashback benefits SBM Paisabazaar Paisa+ credit card offers on everyday spending
SBM Paisabazaar Paisa+ credit card holders can earn cashback across various spending categories:
Transaction Type: Cashback
Online purchases: Up to 1.5%
Offline purchases: 1%
Eligible UPI transactions:1%
These rewards allow users to earn benefits on routine spending while building their credit history.
Transaction Type: Cashback
Online purchases: Up to 1.5%
Offline purchases: 1%
Eligible UPI transactions:1%
These rewards allow users to earn benefits on routine spending while building their credit history.
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Key features of SBM Paisabazaar Paisa+ credit card
The FD-backed secured credit card comes with a minimum FD investment of Rs 2,000
• FD interest rates up to 7% p.a.
• Up to 1.5% cashback on online spends
• 1% cashback on offline spends
• 1% cashback on eligible UPI transactions
• Zero joining fee; annual fee of Rs 499 only
• FD interest rates up to 7% p.a.
• Up to 1.5% cashback on online spends
• 1% cashback on offline spends
• 1% cashback on eligible UPI transactions
• Zero joining fee; annual fee of Rs 499 only