Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • BMB Platinum Credit Card

    The BMB Platinum Credit Card by the State Bank of India is a women credit card curated specially for women and offers a wide range of benefits across different categories. The credit card comes with a host of features in terms of reward points and welcome benefits. The annual fee of the card is Rs.2,999 and comes with an interest rate of 3.35% per month.

    Key Highlights of the BMB Platinum Credit Card

    • Welcome e-gift voucher of Rs.3,000.
    • 5x reward points on grocery, dining, international, and departmental store spend.
    • Spend-based rewards on annual spends of Rs.4 lakh and Rs.5 lakh.
    • Complimentary membership to the Priority Pass program worth $99.

    Features and Benefits of the BMB Platinum Credit Card

    Welcome Benefits
    • Get an e-gift voucher worth Rs.3,000 from a wide selection of the best brands.
    • The voucher could be redeemed at the brands such as Yatra, Shoppers Stop, Hush Puppies, Westside, etc.
    Reward Point Benefits
    • For every Rs.100 spent on regular spends, receive 2 reward points.
    • Accelerated 5X reward points will be given on departmental, dining, grocery, and international expenses.
    Spend-based Benefits
    • On spending Rs.4 lakh and Rs.5 lakh in a year, get a gift voucher worth Rs.3,000.
    Travel Benefits
    • Complimentary membership to the Priority Pass program worth $99.
    Renewal Benefit
    • On spending Rs.2 lakh in the previous year, get a gift voucher worth Rs.3,000.
    Fuel Benefits
    • Fuel surcharge of 2.5% waived off on all transactions ranging between Rs.500 and Rs.4,000.
    Balance Transfer Benefits
    • The outstanding balance of any other credit card can be transferred to the BMB Platinum Credit Card.

    BMB Platinum Credit Card Limit

    The limit for the BMB Platinum Credit Card is assigned by the State Bank of India. A number of factors are considered before the limit is assigned such as the credit score of the applicant, the credit utilisation ratio along with the repayment habits of past and current debts.

    BMB Platinum Credit Card Fees and Charges

    Type of Fee Charge
    Joining fee Rs.2,999
    Cash advance limit Up to 80% of the credit limit
    Annual fee Rs.2,999
    Finance charges Up to 3.35% per month
    Cash advance fee 2.5% of the transaction amount (subject to a minimum of Rs.300)
    Minimum amount due 5% of the total outstanding amount (minimum of Rs.300)
    Late payment fee If the total amount due is:
    • Between Zero and Rs.200 - Nil
    • More than Rs.200 and up to Rs.500 – Rs.100
    • Between Rs.501 and Rs.1,000 – Rs.400
    • Between Rs.1,001 and Rs.10,000 – Rs.500
    • Above Rs.10,000 – Rs.750
    Interest-free credit period 20 – 50 days
    Overlimit fee 2.5% of the over limit amount subject to a minimum of Rs.500.
    Card replacement fee Rs.100
    Foreign currency mark-up 3.5%
    Rewards redemption fee Up to Rs.99

    Eligibility Criteria for BMB Platinum Credit Card

    Nationality The applicant must be an Indian citizen.
    Age He or she must be at least 18 years old.
    Employment status The applicant must be either salaried or self-employed.
    Credit Score A good credit score may increase the chances of getting the application approved.

    Documents Required for the BMB Platinum Credit Card

    Identity Proof Income Proof Proof of Address
    Voter ID Form 16 Passport
    Driving License Salary Slip Ration Card
    Aadhaar Card IT Returns Voter ID
    - - Aadhaar Card


    1. Is there a renewal fee waiver for the BMB Platinum Credit Card?

      No, there is no renewal fee waiver for the credit card. However, the card comes with various spend-based offers which enables you to be eligible for gift vouchers.

    2. How will I receive the welcome benefit of the gift voucher?

      Once you have paid the annual fee and requested for the voucher, the details will be sent to your registered mobile number by the bank. You can then redeem the voucher.

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