Credit Cards · Honest Review
Indian Overseas Bank ZET FD Credit Card
Indian Overseas Bank · Visa
Your Verdict
- ✓FD-backed secured credit card — zero credit risk
- ✓Lifetime free — no joining or annual fee
- ✓3% cashback on online shopping
- ✓Build credit history with guaranteed approval (backed by FD)
- ✓FD continues to earn interest while your limit is secured
What Indian Overseas Bank ZET FD Credit Card costs you
Indian Overseas Bank ZET FD Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
Indian Overseas Bank ZET FD Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 3% |
| 🍽️ Dining & Food | 2% |
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on Indian Overseas Bank ZET FD Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Indian Overseas Bank ZET FD Credit Card
Indian Overseas Bank ZET FD Credit Card does not have a published minimum income requirement. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | Not specified |
| CIBIL score | Not specified — clean history expected |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get Indian Overseas Bank ZET FD Credit Card
- → Heavy spenders on online shopping who want 3% back
- → Heavy spenders on dining & food who want 2% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
Indian Overseas Bank ZET FD Credit Card — Questions answered
Is Indian Overseas Bank ZET FD Credit Card free for life?
What is the minimum income required for Indian Overseas Bank ZET FD Credit Card?
What is the reward rate on Indian Overseas Bank ZET FD Credit Card for online shopping?
Does Indian Overseas Bank ZET FD Credit Card provide airport lounge access?
How long does it take to get Indian Overseas Bank ZET FD Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.