Gild Credit Card Review

Boost your credit score with Gild Credit Card. Unlock a world of financial opportunities and rewards, all at your fingertips. Dive in now!

In today’s fast-paced world, credit cards have become more than just a tool for cashless transactions; they represent a lifestyle, a way to manage finances smartly, and sometimes, an avenue to earn unique rewards. Enter the Gild Credit Card, a revolutionary product that redefines the traditional credit card model.

Offered by the State Bank of Mauritius (SBM Bank) and managed by M2P Fintech, this card stands out in the crowded market of financial products. It’s not just a credit card; it’s a secured, Fixed Deposit (FD)-backed card that offers the intriguing prospect of earning digital gold on your everyday spends. This feature alone sets it apart, making it an attractive option for those looking to blend conventional banking benefits with modern fintech innovations.

CREDIT CARD

Gild

100% credit limit NO INCOME PROOF REQUIRED

For the first time get, header-text Gold as rewards

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The Gild Credit Card is designed with a unique proposition: it allows you to enjoy the stability and returns of a fixed deposit while also providing the flexibility and benefits of a credit card. Its approach to rewards, offering digital gold instead of the usual cashback or points, is not just innovative but also a nod to the growing interest in digital assets.

Earning Rewards with the Gild Credit Card

The Gild Credit Card makes earning rewards effortless and rewarding with its innovative Petal Program, designed to give you real value in the form of digital gold.

• Earn up to 0.75% back on all transactions: Every purchase you make earns Petals, where each Petal is equivalent to ₹1 worth of 24K 99.99% pure digital gold.
• No category restrictions: Earn rewards on every swipe, whether it’s for online shopping, dining, fuel, or daily groceries.
• Accelerate your gold savings: As you spend more, you accumulate Petals faster, allowing you to grow your digital gold reserves with every transaction.
• Rewards on FD-backed spending: Unlike traditional credit cards, the Gild Credit Card earns rewards even on a secured, FD-backed credit limit, making every transaction a step towards building wealth.

Redeeming Rewards with the Gild Credit Card

The Gild Credit Card stands out for its seamless and valuable redemption process:

• Redeem Petals for Digital Gold: All your earned Petals can be directly converted into 24K 99.99% pure digital gold, allowing you to grow your tangible wealth.
• No redemption thresholds: You can redeem your Petals as soon as you accumulate them, giving you immediate access to your rewards.
• Track and manage easily: Use the Gild app to monitor your Petal balance, redeem gold, and manage your assets with complete transparency.
• Grow your investment: Over time, your digital gold reserves can appreciate in value, giving you the opportunity to create a long-term asset from your everyday spending.
• Flexibility in redemptions: Convert your gold into cash if needed, or continue to grow your portfolio as per your financial goals.

Benefits of Gild Credit Card

• 8% as returns in digital gold

First and foremost, the Gild Credit Card India offers an unbeatable 8% return on digital gold. Imagine earning returns on your purchases and investments, all while enjoying the convenience of a credit card. Whether you’re shopping online, dining out, or booking your next vacation, every transaction brings you one step closer to building your wealth. 

• Lifetime free card

But that’s not all – this card is also a lifetime free card, meaning you can enjoy its benefits without worrying about any hidden charges. This makes it an incredibly cost-effective choice for anyone looking to maximize their benefits without any hidden charges. 

• No annual or joining fees

One of the most enticing features of this card is that it comes with a lifetime free membership, meaning no annual or joining fees will ever burden your pocket. This ensures that you enjoy the perks of being a Gild cardholder without any extra costs. Not only does this card provide exceptional financial benefits, but it also adds a touch of luxury to your everyday life.

• Free metal cardholder with the card

Moreover, the Gild Credit Card comes with a beautifully designed metal cardholder that adds a touch of elegance and sophistication to your wallet. The cardholder not only protects your card but also enhances the overall aesthetic appeal and reflects your refined taste. 

• Powered by VISA

Powered by VISA, this credit card ensures global acceptance and seamless transactions wherever you go. Whether you’re dining at a Michelin-starred restaurant, booking a relaxing vacation, or shopping for your favorite brands, the Gild Credit Card guarantees a hassle-free payment experience.

Qualification Requirements

To be eligible for the Gild Credit Card, applicants must be between 18 and 60 years old and be citizens of India. It’s important to note that the card is available in all Indian pin codes except in certain North-East states and Jammu & Kashmir. No credit checks are required for the card, ensuring easy access for a wider range of customers​​.

How to Apply

To apply for the Gild Credit Card, you need to open an FD account through the Gild mobile app or their website. The minimum FD amount required is Rs. 10,000. Valid Aadhar and PAN cards are necessary for the application process. The issuance of the card is dependent on the successful opening of the FD​​.

FAQs

Joining and Annual Fee:

The card does not charge any joining or renewal fee​​.

Credit Limit:

The credit limit is 90% of your FD amount​​.

Reward Program:

You earn 0.75% back as Petals on POS or E-Commerce transactions, which can be redeemed for digital gold​​.

Cash Withdrawals:

Cash withdrawals are allowed with a charge of Rs. 125 per transaction, capped at Rs. 10,000​​.

CREDIT CARD

Gild

100% credit limit NO INCOME PROOF REQUIRED

For the first time get, header-text Gold as rewards

APPLY NOW You will be redirected