BMB Gold And More Credit Card with SBI Card | benefits Details
Bharatiya Mahila bank and SBI Card offers Gold & more credit cards to its customer with valuable service, Leading class features & Easy fee & charges. Get full details:
Benefits of BMB GOLD & More Credit Card:
Cash Points:
- Earn 1 Cash Point for every Rs.100 spent
- Use your Cash Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts from the Rewards Catalogue
2.5% Value Back:
- With accelerated Cash Points get upto 2.5% Value Back on all Departmental store & Grocery Spends. Now that is called Smart Spending
Enjoy Complete Fuel Freedom:
- Get the freedom from paying 2.5% fuel surcharge across all petrol pumps. Save money every time you tank up.
Welcome Offers:
- Rs. 100 off on Cash Withdrawal – Get Rs 100 Cash back on your first ATM Cash withdrawl within 30 days of receiving the card.
Features
- Worldwide Acceptance
- Credit Facility
- Add-on Cards – Enhanced Power to your family
- 0% Fuel Surcharge
- Cash on the go
- Book your railway tickets online
- Utility Bill Payment Facility
- Balance Transfer
- E-statement
- BMB Credit Card Online
Fees & Charges:
Fees
| Joining Fee (One time) | Upto Rs. 499 |
| Annual Fee (p.a.)** | Upto Rs. 499 |
| Add-on Fee (p.a.) | NIL |
Extended Credit
| Interest Free Credit Period | 20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full) |
| Finance charges# | Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
| Minimum Amount Due | 5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax |
Cash Advance
| Cash Advance Limit | Upto 80% of Credit Limit |
| Free Credit Period | NIL |
| Finance charges# | Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
Cash Advance fees
| BMB ATMs/Other Domestic ATMs | 2.5% of withdrawal amount or 300/- (WIH) per transaction |
| International ATMs | 3% of withdrawal amount or 300/- (WIH) per transaction |
Other Charges & Fees
| Protection Plus Insurance Scheme* | Personal Accident (Insurer RSA) – Rs. 24 p.m. Suraksha Plus (Insurer SBI Life) – 0.1% of Total Outstanding Admin Fee – Rs. 20 p.m. |
| Cheque Pickup | Rs 90/- |
| Cheque Bounce/ Invalid Cheque | 2% of Cheque dishonor amount (Min Rs. 350, Max Rs. 500). |
| Statement Retrieval | Rs. 100 per Statement (> 2 months old) |
| Chargeslip Retrieval | Rs. 225 per Chargeslip |
| Late Payment | NIL for Total Amount due from Rs.0-Rs.200; Rs.100 for Total Amount due greater than Rs.200 & up to Rs.500; Rs.200 for Total Amount due greater than Rs.500 & up to Rs.1000; Rs.350 for Total Amount due greater than Rs.1000 & up to Rs.5000 Rs.550 for Total Amount due greater than Rs.5000 & up to Rs.10,000; Rs.750 for Total Amount due greater than Rs.10,000; |
| Overlimit | 2.5% of Overlimit Amount (Min. Rs. 500) |
| Card Replacement | Rs. 100 |
| Emergency Card Replacement (When Abroad) | Actual Cost ( Min.$ 175) |
| Foreign Currency Transaction | Conversion mark up: 3.5% |
| Card Upgrade Fee | Upto Rs. 200 |
| Rewards redemption Fee | Rs 99 ( Plus GST) |
| Cash OTC Fees | Rs.100 +GST |
Surcharge
| Railway Tickets – Railway Counters | Rs. 30 + 2.5% of transaction amount |
| Railway Tickets – www.irctc.co.in | 1.8% of transaction amount + service charge, as applicable |
| Petrol & all products/services sold at petrol pumps | 2.5% fuel surcharge waiver for each transaction between Rs. 500 & Rs. 3,000 (exclusive of GST wherever applicable, & all other charges). Maximum surcharge waiver of Rs 100 per statement cycle, per credit card account. |
Order of Payment Settlement
| Order of Payment Settlement | Minimum Amount Due ( which is inclusive of GST + EMI on Loan plans + 5%of Total Outstanding ) , followed by Fees and other charges, Interest Charges, Balance Transfer Outstanding, Retail Outstanding and Cash Advance. |
Card finance charge is dynamic and will be based on the cardholder’s usage and payment patterns and is subject to periodic review.
* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques /drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.
+ Annual fee for the next year will be reversed if your Total Annual Spends in the current year are more than Rs 75,000/- ”
Your continued use of the card will be deemed acceptance of these amendments.
BMB Card Helpline 1860 180 1262
