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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!

Gild Credit Card
Source: Gild Credit Card

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.

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. This dual advantage is a game-changer, especially for young professionals and those new to credit. With a competitive interest rate of 7.7% per annum on the FD and the potential to earn up to 16% returns per year, including digital gold, the card strikes a perfect balance between savings and spending.

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.

What is Gild Credit Card?

With a wide range of features and benefits, Gild Credit Card aims to simplify the way people manage their finances and offer them a host of exclusive privileges. But what exactly is Gild Credit Card? In simple terms, it is a payment card that allows users to make purchases on credit. It works similarly to other credit cards in the market, allowing cardholders to buy now and pay later. 

One of the key highlights of Gild Credit Card is its flexibility. It offers various repayment options, enabling cardholders to choose the most convenient method for them. Whether you prefer to settle your dues in full each month or opt for a minimum payment, Gild Credit Card provides the flexibility to suit your financial needs. 

Additionally, Gild Credit Card offers a generous rewards program that allows cardholders to earn points or cashback on their purchases. These rewards can be redeemed for a wide range of exciting options, including travel vouchers, merchandise, or even statement credits, adding value to every transaction.

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
Gild Credit Card
Source: Gild Credit Card

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​​.


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​​.

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.