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Flat ₹20/trade Intra-day/F&O
Zerodha allows to apply online in IPOs via their back office software "console". UPI payment mode is to be used to apply online through Zerodha. To purchase SBI Cards IPO with Zerodha, you must be Zerodha customer and have UPI payment setup. For more details please visit detailed article Step by Step Guide to apply SBI Cards IPO with Zerodha.
Alternate approch to apply in SBI Cards IPO is ASBA. You can use Zerodha DP information and apply online via ASBA with your prefered net banking user id.
SBI Cards IPO Review and Important Updates
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https://support.zerodha.com/category/console/ipo/articles/apply-in-multiple-categories