BMB Gold & More Credit Card

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Presenting BMB Gold & More Credit Card

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To apply for your BMB Gold & More Credit Card, visit the nearest BMB branch.

    • Annual fee : Rs. 499
    • 2,000 Bonus Reward Points on spends of Rs. 2,000 within 60 days
    • Renewal fee : Rs. 499
    • Renewal Fee reversed if annual spends for last year > Rs. 90,000*

Privileges on BMB Gold & More Credit Card

With BMB Gold & More Credit Card, you get unlimited privileges

Reward Points

Reward Points

  • Earn 1 Reward Point for every Rs. 100 spent
  • Use your Reward Points to pay the credit card dues or redeem it against a wide array of gifts from the rewards catalogue
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Reward Points
  • Click here to browse through our Rewards Catalogue to choose your gifts
Value Back

Value Back

  • Get up to 2.5% value back on all Departmental store and Grocery purchases
0% Fuel Surcharge

0% Fuel Surcharge

  • Get freedom from paying the 2.5% fuel surcharge at any petrol pump
  • Every transaction of Rs. 500 and Rs. 3,000, at any petrol pump in India, will save you the 2.5% fuel surcharge
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0% Fuel Surcharge
  • You get maximum surcharge waiver of up to Rs. 100 per statement cycle, per credit card account
Welcome Offer

Welcome Offer

  • Spend Rs. 2,000 or more in first 60 days of receiving your card and get 2,000 bonus Reward Points. Click here to know more
  • Get Rs. 100 cash back on your first ATM cash withdrawal within 30 days of receiving the card

Know your BMB Gold & More Credit Card

Your BMB Gold & More Credit Card now comes with a host of features

  • Worldwide Acceptance
    • You can use your BMB Gold & More Credit Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
    • Use your credit card to make payments at any outlet that accepts Visa or MasterCard
  • Empower your Family
    • With BMB Gold & More Credit Card, you can empower your family with add-on cards for parents, spouse, children or siblings above the age of 18
  • Cash on the Go
    • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
  • Online Booking of Railway Tickets
    • You can book your railway tickets online and get them delivered at your doorstep
    • Go to irctc.co.in and follow these steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your BMB Credit Card at the payment gateways that accepts all Visa cards
      All transactions on irctc.co.in are governed by the terms and conditions of irctc.co.in
  • Utility Bill Payment Facility
    • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your card
    • Click here to know more
  • Balance Transfer on EMI
    • Save money while paying your credit card dues
    • Transfer the outstanding amount on your other bank’s credit card to your BMB Gold & More Credit Card and avail a lower rate of interest and repay in EMIs
    • Log on to bmb.co.in with your user ID and password to take benefit of this service
    • Click here to learn how to apply for Flexipay
  • Flexipay
    • With Flexipay, convert your transactions to easy monthly installments. Just transact for Rs. 2,500 or more using your BMB Gold & More Credit Card, and log on to bmb.co.in within 30 days of purchase to convert it into Flexipay
    • Click here to learn how to apply for Flexipay
  • Easy Money
    • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your door-step
    • Log on to bmb.co.in to book Easy Money
  • BMB Card Drop Box Locator
    • Locate the BMB Credit Card drop box nearest to you.
    • Simply follow these steps:
      • Type "PIN" < space > your 6 digit pin code xxxxxx
      • Send an SMS to 56767
      • You will receive the list of drop boxes in your area
  • Fees
      • Annual fee, one time: Up to Rs. 499
      • Renewal fee, per annum: Up to Rs. 499
      • Add-on fee, per annum: Nil
  • Extended Credit
      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month's outstanding balance is paid
      • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum from the transaction
      • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
  • Cash Advance
      • Cash Advance Limit: Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
      • Free Credit Period: Nil
      • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal
  • Cash Advance Fee
      • SBI or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
      • International ATM: 3% of transaction amount, subject to a minimum of Rs. 300
  • Other Charges
      • Cheque pick up: Rs. 90
      • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 350
      • Statement retrieval: Rs. 100 per statement, which is two or more months old
      • Charge slip retrieval: Rs. 225 per charge slip
      • Late payment:
        • Nil for total amount due from Rs. 0 to Rs. 200
        • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
        • Rs. 400 for total amount due greater than Rs. 500 and up to Rs. 1,000
        • Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
        • Rs. 750 for total amount due greater than Rs. 10,000
      • Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost, minimum $175
      • Foreign currency transaction: Conversion mark up: 3.5%
      • Rewards redemption fee: Rs. 99
      • Cash Payment fee: Rs. 100
  • Surcharge
      • Railway tickets – Railway counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets – irctc.co.in: 1.8% of transaction amount + service charge, as applicable.
      • Fuel and all products and services sold at petrol pumps: 2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of all applicable taxes, wherever applicable and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account.
        2.5% of transaction amount (Min. 10) for transaction Amount Betweeen Rs. 500 to Rs. 3,000
  • Order of Payment Settlement

      All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call BMB Credit Card helpline at 1860 180 12 62

      All information in this communication is correct as per January 2014 and is subject to change at the discretion of SBICPSL. BMB Credit Card most important terms and conditions are also available at bmb.co.in

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