Electronic – Use zener diode as regular diode

It's just the basic operating principle of a diode. An ideal diode would allow current to flow in one direction but block current flow in the other direction. This is based on how it's made, with a p-type region, an n-type region, and a depletion zone in between. Like the bottom diode in this picture:

When you apply a some voltage, in your case 0.9V then the p-type holes and the n-type electrons move into the depletion region because they are repelled by their respective battery terminal. With enough voltage (0.9V in your case) the free electrons in the depletion region get moving and current begins to flow like this:

Now in the ideal case if you were to reverse that battery the opposite will happen and you'll get no current flowing:

In the real world though you can only apply so much reverse voltage or push before you hit the breakdown voltage and current begins to flow freely in the reverse direction. Zener diodes take advantage of this fact and are constructed to breakdown at lower voltages such as your 3.3V.

Sources:
You can read more about how zeners are made here Or see the article I got all the pictures from here

You need a resistor between the switch and zener, and a resistor between the Vout point and ground, like so:

^{simulate this circuit – Schematic created using CircuitLab}

With the switch up, the Zener will limit Vout to 4 volts.

With the switch down, the Zener will not conduct, and Vout will be 3 volts (less a bit, due to the current drawn by R2)

Without R1, when the switch is up, infinite current would flow through the Zener diode as V1 tries to deliver 5 volts, and D1 tries to hold the voltage to 4 volts.