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    SBI BMB Platinum Credit Card

    1st Year Fee
    Joining Perks
    Response Time Within 30 minutes
    What you'll love
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    Fee Details

    SBI BMB Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service




    Live life king size with the Platinum Credit Card by Bharatiya Mahila Bank, powered by the State Bank of India. Open the door to a world filled with exceptional features and benefits with this card. Experience true luxury with the SBI BMB Platinum Card that offers fantastic rewards and features which can also be used online, to withdraw cash and book railway tickets. This card is your ticket to royalty.

    Benefits of the SBI BMB Platinum Credit Card:

    True Lifestyle:

    Earn upto 5 times (5x) Cash Points when using the card on expenses related to restaurants, departmental purchases and international shopping sprees. Every time Rs.100 is spent on any of the above, customers stand to earn up to 10 Cash Points. For other categories, customers stand to earn 2 reward points everytime Rs. 100 is spent. These Cash Points can be encashed to pay the outstanding BMB Platinum Credit Card balance. For all Golf enthusiasts, this card also provides access to over 200 golf courses all over the world.

    Under the 5x category, per year upto 40,000 reward points can be earned, however these points are not applicable on fuel transactions. Customers, after the payment of their annual fees are eligible to receive a Welcome Gift voucher from Shoppers Stop, Lifestyle, Raymond’s and They would also be eligible to receive an Anniversary Gift, post payment of the renewal fee if a minimum of Rs. 2 lakhs is spent in the previous year.

    True Lounge Access:

    SBI BMB Platinum Credit Card holders can hold complimentary membership to the Elite Priority Pass Program and gain access to the lounges of more than 6000 Super Luxury Airports in over 300 cities worldwide. Apart from this, card holders can also receive complimentary access to the lounges of Airports within India and overseas through the Visa Airport Lounge Access Program.

    True Value:

    Apart from the Welcome gift, customers are also eligible to receive rewards based on their spending. Card holders spending Rs. 4 lakhs - Rs. 5 lakhs annually can receive apparel vouchers worth Rs. 3000 or a fully paid free one way, domestic air ticket from Indigo Airlines. Vouchers can be redeemed from any of the following -, Raymond’s, Shoppers Stop and Lifestyle.

    True Transparency:

    Customers, in 5x annually, stand to receive upto 40,000 Cash Points. Although the membership for the Priority Pass Program is free of cost, a maximum fee of $27 will be charged to the credit card every time a BMB Platinum Credit cardholder visits a lounge under the program.

    Features of the SBI BMB Platinum Credit Card:

    • Customers have access to a million ATMs world over for withdrawing cash from their credit cards. This also includes more than 18,000 Visa ATMs in India and also over 10,000 ATMs from State Bank in over 100 cities in the country.
    • Card holders can also easily access their accounts through the internet and track their credit card activities via statements that are password protected. They can also receive offers through e-mails and SMS.
    • All users can also receive their monthly statements online, 24/7.
    • Customers can subscribe to information such as mini statements, payment confirmations etc., through SMS by visiting the BMB website or calling the helpline.
    • Users can also manage their accounts online by registering on the BMB website.
    • Customers can now get a fuel (petrol, lubricants and diesel) surcharge waiver of 2.5% by buying fuel for any amount between Rs. 500 and Rs. 4000 through their credit cards at any petrol pump.
    • SBI BMB Platinum Credit Card holders can avail a free service through which mobile, insurance, electricity and other utility bills are paid within the due date plus, users can also receive reward points for payments made. This feature can either be utilized by directly providing instructions to the bank or by calling the BMB Credit Card Helpline.
    • Card holders can also avail a Flexipay option through which purchases of their choice can be made with the provision to repay in easy monthly installments. A plan of their choice can be activated by calling the BMB Credit Card Helpline after the purchase within 30 days.
    • Balance from another banks can be transferred to the BMB Platinum Credit Card with the option of low interest and a high savings rate. A processing fee would be applicable.
    • Card holders can easily order a bank draft at any time by calling the BMB Credit Card Helpline while the amount will be added to the user’s Platinum Credit Card.
    • Customers can enjoy flexible payment facility due to an extended credit option by which they can pay an amount between the minimum to the total outstanding due. The unpaid balance can also be carried forward at a low finance charge.
    • Railway tickets can be booked online by registering with the IRCTC website and paying through the BMB Platinum Credit Card.
    • This is a globally accepted card with privileges available to customers, round the clock.
    • Add-on cards can be availed for family members of the SBI BMB Platinum Credit Card holder.
    • Emergency card replacements are available worldwide within 3 days. This can be availed by calling the 24/7 Toll free Helpline number for a replacement abroad or the BMB Credit Card Helpline number in India.

    Documents required:

    • PAN card
    • ID proofs (Any one) -
      • Voter’s ID
      • UID Aadhaar No.
      • Passport
      • Driving License
      • Passport


    Based on the applicant’s employment and income, the eligibility for procuring the SBI BMB Platinum Credit Card is decided.

    Fees and Charges:

    One time Joining fee A maximum of Rs. 2,999
    Annual fee A maximum of Rs. 2,999
    Add - on fee (per annum) Nil
    Extended Credit - Interest free credit period Within 20 to 50 days if the purchases are for retail and the previous month’s outstanding balance is completely paid.
    Extended Credit - Finance Charges Up to 40.2% per annum or up to 3.35% per month from the date of transaction
    Extended credit - Minimum amount due 5% of the outstanding amount along with GST and EMI on loans, if any
    Cash Advance limit Maximum of 80% Credit limit
    Cash Advance - Free Credit Period Nil
    Cash Advance - Finance Charges Up to 40.2% per annum or up to 3.35% per month from the date of transaction
    Cash Advance - Bharatiya Mahila Bank ATMs/Other Domestic ATMs Rs. 300 or 2.5% of the amount withdrawn per transaction
    Statement Retrieval If over 2 months, then Rs. 100
    Card Replacement Rs. 100
    Chargeslip Retrieval Per Chargeslip, Rs. 225 is charged
    Card Replacement Rs. 100

    SBI BMB Platinum Credit Card FAQs:

    1. How does a Cash Point differ from a Reward Point?

      Cash Points are more advantageous when compared to reward points. While cash points can be redeemed for gifts available in the Rewards catalogue as well as used to pay the outstanding credit amount, rewards points can only be exchanged for items present in the rewards catalogue.

    2. How can one book railway tickets using the SBI BMB Platinum Credit card?
      • Customers will have to register on the IRCTC website
      • They will then have to log in and provide a password
      • Instructions given on the website will have to be followed
      • Payments are made at the Visa payment gateway through the BMB Credit Card
      • All transactions are governed by the rules and regulations on the IRCTC website.
    3. How can the Balance Transfer facility be availed?

      In order to get this facility, the amount that is transferred should be between Rs 5000 or a maximum of 75% of the available credit limit. The higher amount will be considered.

    4. What retail stores can apparel vouchers be redeemed from?

      Shoppers stop, Lifestyle, Raymonds and are the retail partners from whom the apparel vouchers can be redeemed.

    5. What are the fees/charges for late payments?

      If the total amount is below Rs. 200, then there is no charge levied. If the total amount pending is higher, the amount payable varies between Rs. 100 to Rs. 750 and is charged based on the amount that is due.


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    SBI BMB Platinum Credit Card Reviews

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