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SBM GILD Credit Card

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Rewards & Benefits

Welcome Benefits

None

Milestone Benefits

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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. 

Movie Benefits

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Dining Benefits

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Other Benefits

No eligibility criteria.
Secure credit card.; No interest on cash withdrawals.; No eligibility criteria.

Lounge Access

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Fees & Charges

Joining Fee

NIL

Annual Fee

Annual membership fee: NIL

Cash Advance Fee

Cash advance fee: INR 125 per transaction.

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%.

दोष

  • Complex reward system.

  • A fixed deposit is required to get this card.

  • Reward System: 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. 

  • No interest on cash withdrawals.

  • No eligibility criteria.

पक्ष विपक्ष
Welcome Benefits

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पुरस्कार प्रणाली

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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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Eligibility Criteria

Everyone is eligible, No documents required, 100% approval

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?


Steps to Apply:

  1. Download the GILD Mobile App: Download the GILD app from the Google Play Store or Apple App Store.

  2. 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.

  3. Apply for the Credit Card: Once you have opened the FD, you can apply for the SBM GILD Credit Card within the GILD app.

  4. 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.

सम्पर्क करने का विवरण

Tel No: +91 22 4007 1500
Email : customercare@sbmbank.co.in

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Reward System: 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. 

  • No interest on cash withdrawals.

  • No eligibility criteria.

  • Complex reward system.

  • A fixed deposit is required to get this 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

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

उत्पाद समीक्षा
फीस एवं प्रभार

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ईंधन अधिशुक्ल

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Billing Cycle

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फीस एवं प्रभार
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