SBM GILD Rupicard

Apply for the best credit card of Sbm Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
SBM GILD Rupicard
  • Best suitable for: Cashback
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: NA
Sbm Gild Rupicard

SBM GILD Rupicard: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ Lifetime Free
Finance Charges:2.5% per month with APR of 34.49%
Spend Based Waiver:Lifetime Free
Over Limit Penalty:exceeding your credit limit may result in declined transactions
Rent Payment chargesNULL
Forex Charges:3.0% of the transaction value
Minimum Repayment Amount:5% of Total outstanding + All charges/fees/taxes + EMI
Cheque Return Fees:500/- per returned cheque
Late Payment Charges:Flat 2.5% of Amount Overdue (Minimum: Rs. 1000) + GST

SBM GILD Rupicard: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 18 years old.
Fixed Deposit Requirement: Applicants are required to create and maintain a fixed deposit of a minimum of 5,000 with SBM Bank through the GILD mobile app. The credit limit on the card is 90% of the fixed deposit amount.
Credit History: The card does not require any credit check
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

SBM GILD Rupicard: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 2.5% (Min. INR 300) of the cash amount
Cash Advance Withdrwan Limit: 40% of the card limit
Cash Payment at Bank Branch: NIL

SBM GILD Rupicard: Customer care and helpline

Customer care : 18002099335 and 18001033817
Email Address : [email protected]
Mailing Address: SBM Bank (India) Ltd. 306 - A, The Capital, G block, Bandra-Kurla Complex, Bandra East, Mumbai 400051, Maharashtra.

Add-on Card facility: NIL

Card replacement fee: Rs 249 + GST

Rewards Redemption Fee: -

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 400 to 5,000 and Maximum of 400 per month.

FAQ of SBM GILD Rupicard

Q1. What is the annual fee of SBM GILD Rupicard?
The SBM GILD Rupicard offers lifetime-free annual fees. The joining fee is also free for life!

Q2. What is the interest rate on the SBM GILD Rupicard?
The SBM GILD Rupicard has an interest rate of 2.5% per month with APR of 34.49%

Q3. Are there foreign transaction fees on the SBM GILD Rupicard?
Yes, The SBM GILD Rupicard charges a 3.0% fee for all transactions in foreign currency .

Q4. What is the credit limit of SBM GILD Rupicard?
The credit limit for the SBM GILD Rupicard is based on multiple factors, such as your income, repaying capacity, and credit history. Sbm Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Sbm Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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