Gild Credit Card Review 2023, Features, Rewards, Fees & Charges

Gild credit card is a secured credit card brought to you by M2P in partnership with SBM Bank India.

Gild credit card rewards you free gold on every spending and these gold rewards are powered by Safegold.

Gild card is a secured credit card so you need to create a fixed deposit account with an SBM account to get a card. You will earn a good interest rate on your fixed deposit, Your fixed deposit amount will be insured by DICGC and you can add a maximum of 5 lakh rupees to that Fixed deposit account.

This card is available in both Rupay and VISA card networks, you can choose as per your choice while applying for this credit card.

Also Read: 10 Best Fuel Credit Cards in India 2023

Today, in this blog post I will share Gild credit card features, charges, rewards, and how you can get a card, so to know more about Gild card you can read this blog post completely.


Gild credit card
Annual fee₹499
Minimum FD₹10,000
Credit limit100% of Fixed deposit
Interest rate on FD7.7%
Card networkVISA & Rupay
Suitable forBeginners
Reward typeGold points
Cashback rate0.75%
Interest free period45 days
Partner bankSBM Bank India

Also Read: How To File A Complaint With RBI Banking Ombudsman Against Your Bank

Fees & Charges

Joining feeFree
Renewal fee₹499
Closing fee₹999 if closed within 6 months
Addon cardFree, ₹499 from the second year (waived on spending Rs.1.5 lakh)
Forex charge2.49%
Reward redemption feeNil
Annual fee waiverSpending Rs.3 lakh in a year
Fuel Surcharge Waiver1% fuel surcharge waiver

Also Read: OneCard Review – Lifetime Free Metal Card in India

Cashback & Rewards

Retail spend0.75%
Online spend0.75%
Fuel Spend0.75%
  • 0.75% value back on every spend using a gild credit card even you will earn .75% value back on fuel spend
  • Value back will be added as petals
  • The value of each petal is equal to 1 rupee
  • Petals can be exchanged for digital gold (Powered by Safegold)

Reward redemption

You will earn .75% value back as petal points on every spending using your Gild credit card, petal points can be exchanged against gold (powered by Safegold). The value of each petal point is equivalent to 1 rupee. There is no redemption fee on Gild credit card rewards. Rewards points will never expire and are valid for a lifetime.

Also Read: Best Secured Credit Cards in India

Benefits of Gild Card

  • No Reward redemption fee
  • No expiring rewards
  • Rewards on Fuel
  • Petal rewards on every spend
  • Value of each petal points=₹1

How To Apply for Gild Card

To apply for Gild credit card first you need to download Gild mobile app from the play store and complete KYC by entering your details, Once you complete the KYC verification process then you have to create a Fixed deposit of a minimum of 10 thousand then your virtual Gild credit card will be generated. And your physical Gild card will be delivered to your registered address very soon.


  • Age: 18 -61 years
  • No income proof
  • PAN card and AADHAAR card for KYC


Gild credit card works like a credit score builder and it really helps you to build your credit score, If you are a beginner or student etc and not able to get an unsecured credit card then you must get this Gild credit card and use it properly. After using it for some time your credit score will be generated which will help you to get other credit cards.

If you are a user who has a good credit score and holds credit cards then you should not go for this credit card because it has a very low reward rate.

In this blog post, I have tried my best to share information about the features, fees, charges, and reward rates of the Gild credit card. I hope this article was helpful for you to know about Gild credit card, kindly share it with others on your social media.

Have you ever used a Gild credit card, how was your experience? share in the comment section.

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Gild Credit Card

Gild is a fixed deposit backed secured credit card and offers 0.75% cashback on every transactions and 7.7% interest on your fixed deposit.

Editor's Rating:


  • 7.7% interest rate on fixed deposit.
  • 100% credit limit
  • 45 days interest free period.
  • No documents required, 100% card approval.
  • 0.75% goldback on spends.
  • Helps to build credit score


  • Minimum fixed deposit Rs.10000.
  • High card cancellation fee (999INR)
  • Very low reward rate

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