The Step Up Credit Card

The Step Up Credit Card by Paisabazaar.com and SBM Bank India is a game-changer, helping you build a strong credit history. Learn more.

CREDIT CARD

STEP UP

NO CREDIT SCORE REQUIRED ZERO ANNUAL FEES

Build your Credit Score with Step Up Credit Card

SEE HOW TO APPLY You will remain on the current site

The Step Up Credit Card is not just a credit card—it’s your partner in building a strong financial foundation. Designed for individuals with little to no credit history, this card offers a secure way to improve your credit while providing incredible benefits like instant virtual access, zero annual fees on select variants, and competitive fixed deposit-linked interest rates.

With its hassle-free, paperless application process, and robust features, the Step Up Credit Card empowers you to take control of your finances and pave the way for a brighter financial future.

Say goodbye to credit score worries and hello to a world of financial possibilities

Pros

• Earn an attractive interest rate of 6.5% per annum on your fixed deposit, growing your savings over time.
• Your fixed deposit is protected by the Deposit Insurance and Credit Guarantee Corporation (DICGC).
• While enjoying the of credit, your deposit continues to earn interest, ensuring that your money works for you.
• The credit limit is directly linked to the amount of your fixed deposit, allowing you to align it with your spending preferences.
• If you are just starting to build credit or have faced credit challenges in the past, you have a chance to access credit.
• Your fixed deposit serves as an emergency fund, providing you with a safety net in unforeseen circumstances.
• By using the Card and maintaining a good payment history, contributes to future credit and benefit purchases. 
• The Card offers hassle-free virtual access, which facilitates usability and even the acquisition of future credits.

Cons

• A fixed deposit is mandatory, which may not suit everyone.
• Virtual card use may not be accepted everywhere.
• Primarily available to Indian residents.

How do I know if this is the best credit card for me?

The Step Up Credit Card is ideal for individuals looking to build or improve their credit score while enjoying everyday financial benefits.

Designed to empower you with better credit management, this card offers cashback and rewards on daily transactions like shopping, bill payments, and more.

If you’re someone who values financial discipline and wants a simple, effective way to enhance your credit history while reaping rewards, the Step Up Credit Card could be the right fit for you.

Why do we like this credit card?

We love the Step Up Credit Card because it’s a game-changer for those working towards stronger financial health. It combines the practicality of earning rewards on regular spends with the unique advantage of helping you improve your credit score.

The card’s affordability, low fees, and ease of use make it accessible, while its rewards and benefits ensure every swipe counts. It’s not just a credit card—it’s a stepping stone to a brighter financial future!

If you’re ready to take control of your credit and enjoy the benefits of a secured yet versatile card, this is the perfect companion for your financial goals!