IOB ZET Credit Card

IOB ZET Credit Card is a secured credit card issued against a fixed deposit of Rs. 2,500. It is designed for consumers who are looking to start or build their credit history.

The minimum fixed deposit requirement for the IOB ZET Credit Card is Rs. 2,500. The card is issued against this deposit, and the credit limit can be up to 90% of the FD amount.

The card offers 2% cashback on eligible UPI transactions and up to 15% cashback on selected brands and platforms. Cashback is provided as ZET Coins and has monthly limits.

Yes, the card offers discounts on Swiggy, Zomato, Swiggy Instamart and BookMyShow. The discounts are subject to minimum transaction values, monthly limits and applicable terms and conditions.

No, the IOB ZET Credit Card does not provide airport lounge access. Therefore, consumers specifically looking for complimentary domestic or international airport lounge benefits may need to consider other credit cards.

The card has no joining or annual fee. However, finance charges are applicable at 3.25% per month, while late payment charges depend on the outstanding amount.

The IOB ZET Credit Card carries a foreign exchange markup fee of 2.49%. This applies to eligible international transactions and is lower than the markup charged by many cards.