Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    SBI BMB Gold and More Credit Card

    1st Year Fee
    Joining Perks
    Response Time Within 30 minutes
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    SBI BMB Gold and More Credit Card is Rated as "Great!" by 1 Users

    Fees & Charges

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    BMB Gold & More Credit Card Overview:

    Make your life easier and simpler with the Bhartiya Mahila Bank Credit Card, which offers you unlimited rewards at every step. As your most trusted companion, a Bhartiya Mahila Bank Credit Card brings you the best deals, whether you are shopping, dining, doing your everyday purchases or on a holiday. The Shop & Smile Program offered along with the card offers excellent rewards and gifts from the Rewards catalogue on redemption and customers can also choose to pay their outstanding balances using accrued points. As a co-branded card introduced by State Bank of India, in collaboration with Bhartiya Mahila Bank, the BMB Gold & More Credit card offers the best of both worlds to customers.

    Benefits of a BMB Gold & More Credit Card:

    Packed with benefits and loaded with special deals, the BMB Gold & More Credit card truly works like the name suggests, offering exclusive privileges and much “More” to card holders.

    Welcome Offers:

    The first purchase done for a value of Rs 2000 using the BMB Gold & More credit card, can get customers 2000 bonus rewards points, as part of the welcome package. This offer is applicable only if the purchase is done within 60 days of receipt of the card. The first cash withdrawal done by customers at an ATM, gets them Rs 100 as cash back. Customers will be eligible for the cash back only if the transaction is done within the first 30 days of the card usage.

    Cash Points:

    BMB Gold & More Credit card holders can earn 1 cash point for every Rs 100 spent. Accumulated cash points can be used to pay outstanding credit card balances or can be redeemed for gifts from the Rewards Catalogue.

    Value Back:

    The accelerated cash points system gets customers a value back of 2.5% on departmental store purchases and grocery transactions.

    Fuel Surcharge Waiver:

    Card holders can enjoy a fuel surcharge waiver of 2.5% across all the petrol bunks in India. To avail the waiver, customers have to buy diesel, petrol or any lubricant from a petrol bunk for a transaction value ranging between Rs 500 and Rs 3000.

    Features of a BMB Gold & More Credit Card:

    The BMB Gold & More Credit Card offers a bouquet of features intending to provide the best user experiences to customers across India.

    Global Acceptance:

    The BMB Gold & More Credit Card is accepted at over 24 million outlets worldwide, carrying the Visa or MasterCard sign.

    Credit Facility:

    Using the extended credit facility on the BMB Gold & More Credit Card, customers can enjoy complete flexibility with regards to their payments. They can choose to pay any amount between the minimum amount and the total outstanding amount. The remaining can be carried over to the next month at low finance charges.

    Add-on cards:

    As one of the best value-added features, BMB Gold & More Credit Card holders can also avail add-on cards for their loved ones and family inclusive of parents, spouse, siblings or children over the age of 18.

    Instant Cash:

    Card holders can withdraw instant cash from any of the 1 million Visa and MasterCard ATMs, spread across the world.

    Railway ticket bookings:

    Customers can use their BMB Gold & More Credit Cards to make online railway bookings on IRCTC and conveniently have them delivered at their doorsteps. To use this facility, cardholders should register on IRCTC and book their tickets using a Visa payment gateway.

    Easy Bill Pay:

    The Easy Bill Pay facility offers customers the option of quickly paying their utility bills like electricity bills, phone bills and insurance. Standing instructions can be set by customers to make payments before the due date.

    24/7 Customer Service:

    Customers can contact the 24/7 Visa/MasterCard Global Customer Assistance Service and the BMB Credit Card Customer Helpline for any card related support during emergencies.

    Balance Transfer:

    Card holders can transfer existing balances from other bank credit cards to a BMB Gold & More Credit Card and pay off the outstanding at low interest rates.


    Make a high-value purchase with a BMB Gold & More Credit Card and pay back using a Flexipay plan, which allows customers to pay back in easy monthly installments. Card holders have the option of choosing the best plan suitable to their needs and can avail that at a low interest rate. This facility has to be activated within 30 days of making the purchase.

    Easy Money:

    Personal requirements can be easily met by availing the Easy Money facility, through which customers can place requests for a bank draft. The money in the draft will be billed directly to the BMB Gold & More Credit Card and customers need to contact the BMB Credit Card Customer Helpline to use this facility.


    Customers can avoid the hassle of late payments and delays by getting their BMB Gold & More Credit Card statements delivered directly to their email addresses. This gives them 24/7 access to their statements and credit card details.


    Customers can enjoy access to over 100 merchants on their mobile phones and make payments using their BMB Gold & More Credit Cards via the M-Shop feature.

    BMB Credit Card Alerts:

    BMB Credit Card Alerts can be got by customers regarding their card status as an SMS on their mobile phones. This service also includes mini statement alerts, credit limit alerts, cash limit alerts, cheque alerts and payment assistance alerts. Customers can start using this facility by just subscribing to the same.

    BMB Credit Card Online:

    Customers can conveniently manage their BMB Gold & More Credit Card accounts online on the BMB web portal. Using their card accounts, customers can check their monthly statements, request for an address change, pay bills, locate the nearest BMB ATM and win attractive prizes and offers.

    BMB Card Drop Box Locator:

    BMB Credit Card Drop Boxes can be located through an SMS Alert, which offers information on the drop boxes available nearest to the customer’s residing area.

    Documents required:

    • PAN card
    • ID proofs (Any one) -
      • Passport
      • Driving License
      • Voter’s ID
      • UID Aadhar Number
      • PAN card


    Customers will be eligible for a BMB Gold & More Credit Card based on their annual income shown at the time of application. SBI determines the eligibility for a customer only using this criteria.

    Fees & Charges:

    Annual Fee Up to Rs 499
    Joining Fee Up to Rs 499
    Add-on Fee (per annum) Nil
    Extended Credit - Interest Free Credit Period 20 to 50 days (only for retail purchases)
    Extended Credit - Charges Up to 3.35% per month
    Extended Credit - Minimum Amount Due 5% of the total outstanding amount or a minimum of Rs 200
    Cash Advance limit Up to 80% of the set credit limit / Rs 12,000 for Gold Cards
    Free Credit Period Nil
    Cash Advance - Charges Up to 3.35% per month
    Cash Advance fee - SBI or other domestic ATMs 2.5% of the withdrawal amount or a minimum of Rs 300/- per transaction
    Cash Advance fee - International ATMs 3% of the withdrawal amount or a minimum of Rs 300/- per transaction
    Cheque Pickup Charges Rs 90
    Late Payment Charges SBI does not charge any fee for outstanding amounts of up to Rs 200. For amounts above Rs 200, the banks charges late payment fees ranging from Rs 100 to Rs 750, depending on the outstanding amount.
    Cheque Bounce Charges 2% of the Cheque dishonour amount or a minimum of Rs. 350 up to a maximum of Rs. 500
    Rewards Redemption Fee Rs 99

    SBI BMB Gold & More Credit Card FAQs:

    1. What is the order of payment settlements chosen by State Bank of India?

      State Bank of India follows the below given order while accepting credit card payment settlements for a BMB Gold & More Credit Card -

      • Minimum Amount Due
      • Other Fees and charges
      • Interest Charges
      • Outstanding Balance transfer amount
      • Outstanding retail amount
      • Cash Advance Amount
    2. Does SBI offer different credit card bill payment options to BMB Gold & More Credit Card holders?

      Credit card payments can be made using the following services from State Bank of India. Online SBI Banking

      • NEFT Payments
      • Over the Counter Payments (OTC)
      • SBI ATMs
      • Paynet- Pay Online
      • Locate & Pay
      • Cash Payments
      • Electronic Bill Payments
      • Electronic Clearing Services
      • SBI Mobile Banking
      • SBI Auto Debit
    3. Do customers have to pay any processing fees for balance transfers from other bank credit cards to a BMB Gold & More Credit Card?

      Yes, for the 60-day plan customers have to pay 2% or Rs 199, as the processing fees. For the 6-months plan, no processing plan is charged by SBI.

    4. What are the card replacement charges imposed by SBI for BMB Gold & More Credit Cards?

      State Bank of India charges a fee of Rs 100 to issue new BMB Gold & More Credit Card to customers in India.

    5. What are the different tenure options available to BMB Gold & More Credit Card customers under the Flexipay facility?

      BMB Gold & More Credit Card customers can choose any repayment tenure ranging between 6, 9, 12 and 24 months.


    Compare, check your eligibility and apply for credit cards online.

    SBI BMB Gold and More Credit Card Reviews

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