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Bank of Maharashtra
Bank of Maharashtra SBI Gold Credit Card
Visa
Bank of Maharashtra SBI Gold Credit Card
The entry-level card in Bank of Maharashtra's SBI Card co-brand lineup, sitting below the SimplySave, Prime and Elite variants. It's a basic rewards card aimed at first-time cardholders banking with Bank of Maharashtra.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛒 Groceries
2.5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
Benefits
- Bonus reward points on early spend within the first 60 days.
- 10X reward points on grocery and departmental store spends.
Pros
- + Accelerated rewards on grocery and departmental spends
- + Annual fee waiver on moderate spend
- + Welcome bonus on early spend
Cons
- − Must apply through a Bank of Maharashtra branch, not online
- − No lounge access at this tier
- − Outclassed by the bank's own Prime/Elite cards for travel