Gild Credit Card

  • Joining Fee: Nil
  • Renewal Fee: Nil
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Free metal card holder
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The Gild Card is a secured FD-backed card by SBM Bank through which you can earn digital gold for your daily spends. Unlike a traditional FD, you can use this one for your daily spends without even breaking your FD. The Gild FD card program is managed by M2P Fintech, and you can earn up to 16% returns per year on your investments with the card. Just go to the Gild app and open your FD account without setting up a savings account. You can get a high interest rate of 7.7% p.a. on your fixed deposit and a 90% limit on the Gild card. There is no amount deducted from your FD when you make spends with your card, and you even get an interest-free credit period of 45 days. This lifetime free Gild card by SBM Bank comes in a free metal card holder as well. Read on to know more about this Gild card.

New Features

Spend Based Waiver

NA


Interest Rates

30% p.a.


Add-on Card Fee

Nil

Rewards Redemption Fee

Nil


Fuel Surcharge

Nil

Foreign Currency Markup

 2.5%


Cash Advance Charges

Rs. 125 per transaction (maximum capping at Rs. 10,000)

Movie & Dining

NA


Travel

NA


International Lounge Access

NA

Rewards Rate

0.75% back as Petals on every transaction


Golf

NA


Insurance Benefits

NA

Reward Redemption

Petals can be redeemed for digital gold, where 1 Petal = Rs. 1 worth of digital gold


Domestic Lounge Access

NA


Zero Liability Protection

NA

Pros

No data available

Cons

No data available

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