Card Details
SBM Paisabazaar Paisa+ Credit Card
Monzy Score
6/ 10
Decent for online shoppers.
Lifetime free, so no fee to earn back; ~3.0% back on top spends.
Card Issuer
SBM Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Cashback
Card Access
Standard
Earn Points
1%
Cashback on online spends (FD ₹2,000–₹10,000)
1.5%
Cashback on online spends (FD above ₹10,000)
1%
Cashback on offline spends
1%
Cashback on UPI spends (when total UPI spend exceeds ₹2,000)
Benefits
Up to 1.5% cashback on online spends
Secured card with FD from ₹2,000
Joining fee is zero
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, emi, wallet, atm, jewellery, rent, utilities, education, government, gambling
Estimated Returns
online spends
1.5% online if FD>=10000; 1% if FD 2000-10000. Overall cap 500/day, 3000/month.
₹450
offline & UPI spends
1% offline+UPI above 2000. Shares 3000/month cap.
₹0
Total Annual Return
₹5,400
1.5% Effective ROIWhat Users Are Saying
Community Feed
Mar 2026
“SBM PaisaBazaar StepUp Card - Should I settle now for”
by r/CreditCardsIndia, Mar 2026
“Should I get the SBM step up credit card?”
by r/CreditCardsIndia, Jul 2024
“New credit card”
by r/CreditCardsIndia, Jul 2025
“What are your thoughts on lenders like One card and Slice”
by r/IndianCreditCards, Jul 2025
“Suggestions for cc against fd”
by r/CreditCardsIndia, Jul 2024
Things to Keep in Mind
Cashback capped at 500 Cash Points per day and 3,000 Cash Points per month.
UPI cashback applies only when total UPI spending exceeds ₹2,000.
Annual fee ₹499 is waived on spending ₹50,000 per year.
FD interest statement is inconsistent on page copy (up to 7% vs up to 7.25%).
