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
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
select online categories
3% cashback
₹900
all other spends
1% cashback
₹0
Total Annual Return
₹10,800
3% 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
FD-backed secured card with cashback, suited for new-to-credit users.