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SBM Gild Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
Users will get a flat 0.75% back as Petals on every POS/ECOM transaction.
These petals can be used to redeem digital gold, cashback and other exciting rewards.
Petals to Gold redemption rate is 1 Petal = ₹ 1 of digital gold.
General Cashback Rate: 0.75%
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
No income-related eligibility criteria.
Credit card issued against fixed deposit.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
Users will get a flat 0.75% back as Petals on every POS/ECOM transaction.
These petals can be used to redeem digital gold, cashback and other exciting rewards.
Petals to Gold redemption rate is 1 Petal = ₹ 1 of digital gold.
General Cashback Rate: 0.75%
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
No income-related eligibility criteria.
Credit card issued against fixed deposit.
Lounge Access
None.
Fees & Charges of
SBM Gild Credit Card
Joining Fee
NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
Cash advance fee: INR 125 per transaction.
Interest rate
Interest rate: 2.5% per month, 30% per annum.
Late Payment Fee
Late payment charges: Up to INR 299
Foreign Currency Transactions Fee
Foreign currency markup fee: 2.49%
Other Fees
Fuel surcharge: 1%.
Joining Fee
NIL
Annual Fee
Annual membership fee: NIL
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 2.5% per month, 30% per annum.
Late Payment Fee
Late payment charges: Up to INR 299
Foreign Currency Transactions Fee
Foreign currency markup fee: 2.49%
Other Fees
Fuel surcharge: 1%.
Fee and Charges of
SBM Gild Credit Card
Special Features
Everyone is eligible, No documents required, 100% approval
Eligibility Criteria
Users get digital gold as a reward.
Speical Feature, Eligibility and Benefits of
SBM Gild Credit Card
How to apply for Credit Card?
Steps to Apply:
Download the GILD Mobile App: Download the GILD app from the Google Play Store or Apple App Store.
Open a Fixed Deposit (FD): Create and maintain a fixed deposit of at least Rs. 10,000 through the GILD mobile app. This FD will act as security for your credit card.
Apply for the Credit Card: Once you have opened the FD, you can apply for the SBM GILD Credit Card within the GILD app.
Receive Your Card: After your application is approved, you will receive your physical GILD credit card within seven working days. You can also download a digital card immediately from the app.
Contact Details
Tel No: +91 22 4007 1500
Email : customercare@sbmbank.co.in
Account Opening and Procedure of
SBM Gild Credit Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The card's USP is that it can be obtained against a fixed deposit. The card offers no benefits apart from 0.75% cashback. Overall the card is recommended only for those individuals who are looking for their first credit card and do not have a good Cibil score.
The card's USP is that it can be obtained against a fixed deposit. The card offers no benefits apart from 0.75% cashback. Overall the card is recommended only for those individuals who are looking for their first credit card and do not have a good Cibil score.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai