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Bank of Maharashtra Credit Card

Bank of Maharashtra (BoM) was founded in the year 1935 and started operations in the year 1936. In the year 1946, a wholly owned subsidiary of the Bank i.e., The Maharashtra Executor and Trustee Company was incorporated. After nationalisation in the year 1969, the bank started growing in leaps and bounds and became an autonomous body which helped the Bank to provide various simplified services independently, without the intervention of the Government. It has a wide network of 1846 branches and 1864 ATMs spread all over the country.

The Bank offers varied products and services which includes deposit accounts, retail lending, lending to small and medium sectors, export finance corporate loans, foreign exchange, etc. They also have captured the Credit Card area in collaboration with the State Bank of India. The card offers various rewards with attractive redemption options and offers from popular brands which are above 300 in number. The multiple payment options, availability of cash advance and instant cash are the special features of the card. 

Besides, Mahabank Kisan Credit Card (MKCC) is also offered as a working capital line of credit for easing out farmers? expenses related to cultivation of crops and allied agricultural activities.

Types of Bank of Maharashtra Credit Card

Bank of Maharashtra in collaboration with SBI offers Credit Cards that are accepted globally.

The following are the types of Bank of Maharashtra Credit Card

  • Bank of Maharashtra-SBI-Gold Card and others
  • Bank of Maharashtra-SBI-Platinum Credit Card
  • Mahabank Kisan Credit Card (MKCC)

Bank of Maharashtra Credit Cards: Features and Benefits

The features and benefits of Bank of Maharashtra Credit Card are listed below:

Balance Transfer: The outstanding balance on other bank cards can be transferred to Bank of Maharashtra Credit Card for a lower interest.

Instant Cash: Place a request through online option or by calling the Credit Card customer care helpline and get instant cash up to the approved credit limit into your account through NEFT within 48 hours.

EMI Option: Purchases made on the card can be converted into EMI and paid in easy instalments.

Utility Bills Payment: Payment of utility bills has been made very easy through Register and Pay, AutoPay and Fast Pay options.

Insurance: Insurance cover for personal accident and lost/ stolen card liability is available.

Easy Channels: You can get updates about your card either by logging in into their official website or through their mobile app. A facility for real-time updates vide SMS to your registered mobile number is also available.

Add-on card: Add-on card facility is available for the family members of the cardholder.

Rewards: Numerous rewards can be earned on transactions using the card. These points can be redeemed for an array of gifts in their catalogue or for vouchers of leading brands.

Global acceptance: The card is accepted at around 24 million outlets across the globe including 3,25,000 outlets in India.

Railway Ticket: Online purchase of railway ticket is enabled.

Fuel Surcharge: Fuel surcharge of 1% of the transaction for transactions between 500 to 3000 across all the petrol stations across the country waived. The maximum waiver allowed is 100 per month.

Grace Period: If all the outstanding balances are paid, then an extended credit period of 20 to 25 days is given for all retail purchases.

Detailed features of Bank of Maharashtra Credit Card

The following are the detailed features of Bank of Maharashtra Credit Card

Name of the CardFeatures
Bank of Maharashtra-SBI-Gold Card and others
  • A facility to transfer the balance outstanding in other bank cards to Bank of Maharashtra-SBI card at a lower rate of interest. You can request for a balance transfer by the following ways.

o   Log in to your SBI online account and place a request.

o   SMS BT to 56767

o   Call the customer care numbers 39 02 02 02/ 1800 180 1290 and place a request.

  • You can pay your utility bills through Register and Pay, Auto Pay or Fast Pay.
  • You have the facility to access your Credit Card account through your SBI Card online account, or through SBI mobile app or by SMS to your registered mobile number.
  • Insurance cover up to 20 lakh on the death or disability of self and the beloved ones for a premium which is less than 5/- per day.
  • Lost card liability cover is also available under the Card Protection Plan. This plan gives you additional benefit like assistance to replace the lost card immediately, replacement of lost travel tickets when on travel, payment of hotel bills and assistance by way of cash through MakeMyTrip up to 5000/- to 20,000/- if you are within India at the time of loss of the Card for your expenses and to help you reach home if cash is also stolen along with the card.
  • Get 30% off on net meds.com.
  • Avail great offers at Hazaribagh and Dhanbad, and Bokaro cities.
  • Avail 5% cashback at the Arvind Stores.
  • Avail 5% cashback at Rosso Brunello
  • Avail 5% cashback at Da Milano
  • Avail cashback up to 250 on Jockeyindia.com.
  • Get 5% cashback at Metro
  • Get 5% cashback at VIP Bags
  • Get a 10% discount at Flipkart Supermart.
  • Get 5% cashback at Pepe Jeans
  • Get a discount of flat 20% on car rentals at Myles.
  • Get 5% cashback at Lee and Wrangler
  • Get a flat discount of 32% for all purchases at Zoomin.com
  • Get 50 discount and 50/- cashback at Mother Diary Stores for purchases made through Phone pe using the card.
  • Avail 5% cashback at Max and Trends.
  • Avail a minimum discount of 15% on dining at over 100 restaurants in 12 cities.
  • Avail amazing offers at Gwalior, Jodhpur, Durg-Bhilai, and Bilaspur cities.
  • Avail a cashback of 5% at Pai International.
  • Avail 25% discount at Zomato for a minimum transaction of 400. The maximum discount eligible is 150/-.

Offer valid for only 1 transaction per card on Saturdays and Sundays only.

  • 200/- off on purchases at Grofers.
  • Pay your electricity bill using the card on Phone Pe and get 50/- discount.
  • Get a discount of 15% on Jailesh Cruise.
  • Get a discount of 15% for apparels at Turmswear.
  • Get a discount of 15% on all products at Seniority.
  • Avail exclusive discount on mobiles and accessories at My G Mobile Stores
Bank of Maharashtra-SBI-Platinum Credit Card
  • Complimentary Airport lounge accesses (domestic as well overseas) through the Visa Lounge Access Programme
  • Avail Priority Pass Membership for $99/-
  • A usage charge of $27 will be charged to your card every time you access an airport lounge.
  • Fuel surcharge waiver is available for a transaction between 400/- to 3000/- at all the fuel stations across the country.
  • A facility to convert purchases above 2500/- into EMI is available.
  • An interest-free period from 20 days to 50 days is available.
  • If all the outstanding on the card is paid you get an extended credit period of 20 to 25 days for all retail purchases.
  • A facility to transfer the outstanding balance on credit cards of other banks at a lower rate of interest is available.
  • A standing instruction facility to pay your utility bills on due dates is available on SBI Card Auto Pay.
  • At times of requirement of cash, a cash advance up to your credit limit is available which will be delivered to your doorstep by way of demand draft.
  • Online railway ticket booking facility is available.
  • Avail a discount of 10% at Flipkart Supermart.
  • Avail a discount of 20% for car rentals at Myles.
  • Enjoy 32% discount at Zoomin.
  • Get a discount of 200/- for purchases at Grofers.
  • Avail a discount of 25% for online food orders at Zomato.
  • Get a cashback of 50/- for payment of electricity bill using the card at Phone Pe
  • Avail a discount of 15% on Jalesh Cruise.
  • Avail a discount of 25% for an annual subscription of Gaana Plus.
  • Avail an instant discount up to 2000/- at Amazon for One Plus 7 series smartphones.
  • Avail 5% cashback at Da Milano

It should be noted here that the BOM Credit Card come packed with over 300 offers and only a few these are mentioned above.

Bank of Maharashtra Credit Card Rewards Details

The details of the rewards of Bank of Maharashtra Credit Card are as given in the table below:

Name of the CardRewardsSpecial Rewards
Bank of Maharashtra-SBI-Gold Card and others
  • Earn 2000 bonus points on spends of 2000/- within the first 60 days from the date of activation of the card. This is available only on the successful payment of joining fees of 499/-
  • Get a cashback of 2.5% and 10X reward points on every 100/- spent at Departmental and Grocery stores.
  • Get 100/- cashback on the first cash withdrawal at ATM within 30 days from the date of receiving your card.
  • Get 1 reward point for every spend of 100/- on the card.
  • Get waiver of 2nd year annual fee on an annual spend of 1,00,000 in the previous year.
Bank of Maharashtra-SBI-Platinum Credit Card
  • Gift vouchers worth 3000/- by any one of the brands namely Yatra, West-side, Hush Puppies, Shoppers Stop, and Bata.

The gift vouchers will be sent to the registered mobile number within 15 days of placing a request.

Except for Yatra, the gift vouchers can be redeemed by showing the code at the stores,

For Yatra, you can redeem the voucher by giving the code online while making a purchase.

  • Earn 2 reward points for every 100/- spent on all purchases.
  • Get 5X reward points for every 100/- spent on Dining, Departmental, Grocery, and International transactions.
  • Get vouchers worth 3000/- on any one of the brands i.e., Hush Puppies, Westside, Yatra, Bata or Shoppers Stop for an annual spend of 5.00 lakhs.
  • The e-voucher is sent to the registered mobile number and can be redeemed by showing the code at all the stores except at Yatra.

For redemption at Yatra, the code has to be mentioned while making a purchase online.

  • Get 10X reward points for an annual spend of 4.00 lakhs.

Bank of Maharashtra Credit Card fee details

The details of fees charged for Bank of Maharashtra Credit Card are as given below:

Name of the CardJoining FeeAnnual Fee
Bank of Maharashtra-SBI-Gold Card499/-

499/-

Annual fee is waived from 2nd year onwards on an annual spend of 1  Lakh in the previous year

Bank of Maharashtra-SBI-Platinum Credit Card2999/-2999/- 

Annual Fee is waived on an annual spend of 2 lakhs in the previous year

Bank of Maharashtra Credit Card: Fees & Charges

The charges for Bank of Maharashtra Credit Card are mentioned below:

Name of the chargeAmount
Finance charge3.35% p.m
Cash advance charges

2.5% of the transaction amount, subject to a minimum of 300/- for withdrawal at domestic ATMs.

3% of the transaction amount with a minimum of 300/- for withdrawal at International ATMs.

Cheque pick-up fee100/-
Cheque feeRS. 100/- for payments through cheque up to 10,000.
Cheque bounce charges2% of the cheque amount with a minimum of RS. 450/-
Duplicate statement charges100/- for a statement which is two or three months old
Delayed payment charges
Outstanding amountCharges
Up to 200Nil
201 to 500100
501 to 1000400
1001 to 10000600
10001 to RS. 25000800
Above RS. 25000950
Card Replacement charges100/-
For usage of the card over and above the limit2.5% of the limit overdrawn with a minimum of RS. 500/-
Emergency card replacement when overseasActual cost with a minimum of US$ 175
Foreign Currency Mark-up fee3.5% of the transaction
Rewards redemption charges99/-
Cash payment chargesRS. 100/-
Railway ticket surcharge

30/- plus 2.5% of the transaction when booked at railway counters.

If booked online 1.8% of the transaction amount

How to Apply for Bank of Maharashtra Credit Card

You can either visit the bank branch and apply for the same or follow following steps to apply for the Credit Card through MyMoneyMantra. The process is fast as well as hassle free.

  • Visit MyMoneyMantra Home page.
  • Click on Credit Card menu.
  • Fill the relevant information required for applying for the credit card.
  • An OTP will be generated and sent to the mobile number you shared.
  • Login using OTP and access the list of credit cards according to your requirements and profile.
  • Now click to apply.
  • The representatives of MyMoneyMantra will help you with the process following from documentation until the approval once you have completed the task of filling the application and the process is initiated.
  • On approval, the card will be dispatched to your address. Card and the pin will be despatched separately.

Eligibility Criteria for Bank of Maharashtra Credit Card

The applicant has to fulfill the following eligibility criteria to qualify for the card.

  • The applicant should be in the age group between 21 - 60 years.
  • Both resident and non-resident Indians can apply.
  • Salaried individuals, self-employed individuals/professionals, and businessmen are eligible for the card.
  • The applicant should have a stable income.
  • The credit score should be over 750.

Documents required for Bank of Maharashtra Credit Card

The following documents are required for Bank of Maharashtra Credit Card.

  • Proof of ID: Photo ID proof like Aadhar Card, Voter?s ID card, Driving Licence, Passport, and Pan card. (Copy of any one document to be submitted)
  • Address Proof: Address proof like Aadhar Card, Voter?s ID, Passport, Driving Licence, Utility Bills, etc (Copy of any one document to be submitted).
  • Photograph: Coloured photograph of the applicant.
  • Income Proof: Income proof for salaried persons will be the latest salary slips and form 16. Income proof for other than salaried class will be financial documents like balance sheet and profit and loss account and IT Returns.

Making Bank of Maharashtra Credit Card Bill Payment

There are numerous payment options available for Bank of Maharashtra Credit Card Bills.

  • Electronic Pay Service: At present Electronic Bill Pay Service is enabled for SBI, Bank of India, Indian Overseas Bank and Citi Bank. If you have an account in any of the above Banks, you should access the internet banking facility. The biller will be the Bank of Maharashtra-SBI card. Give the details of your card number and payment amount and make the payment.
  • NEFT/ RTGS: You can make the card payment through NEFT/ RTGS. You will have to provide the following details:
  • Name of the cardholder
  • 16-digit card number in the place of the beneficiary.
  • The account number from which the payment has to be made
  • Name of the Bank to which payment has to be made.
  • IFSC Code of the Bank
  • Location of the Bank
  • Amount
  • NACH: You can give a standing instruction for deducting the card dues from your account directly through online standing instruction mode, i.e., NACH.
  • Auto-debit: You can give instructions for auto-debit to your Savings Account/ Current Account at the bank.
  • Debit Cards: You can use other bank debit cards to pay Bank of Maharashtra Credit Card dues online.
  • Mobile App: Download the SBI Mobile App and pay the Credit Card dues through the App. You can access the SBI Mobile App using Bank of Maharashtra- SBI card online user ID and password. Click on the ?Pay Now? button and enter your registered email ID and mobile number. Choose the payment amount (total outstanding, minimum payment due or any other amount). Choose the bank from which the payment has to be initiated. You will be directed to the particular bank?s payment interface to make the payment. Your bank account will be debited and you will receive SMS on your registered mobile number. Payment will reflect immediately in your card account.
  • Cash: The Credit Card payment can be made by depositing cash at any of the branches of Bank of Maharashtra.
  • Cheque: The payment can be made vide cheque. The 16-digit card number will be the payee?s name. The name of the cardholder and the registered mobile number has to be written on the reverse of the cheque. The cheque can be dropped at any of the SBI drop boxes in the city.

Bank of Maharashtra Credit Card Customer Care Numbers

In case of any queries regarding Bank of Maharashtra Credit Card you can contact the Credit Card Customer Care on the following numbers.

  • 1800-180-1290
  • 1800-233-4526
  • 1800-102-2636
  • 020-24480797

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Bank of Maharashtra Credit Card FAQs

✅ What is the procedure to book railway tickets online using the Bank of Maharashtra Credit Card?

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To book the railway tickets online using Bank of Maharashtra Credit you have to follow the simple steps mentioned below:

  • Visit the official website of railways irtc.co.in
  • Register free of cost
  • Log in using the user id and password.
  • Go through the instructions available at the website for booking railway tickets.
  • Make payment using the Bank of Maharashtra-SBI card through the payment gateway that accepts visa cards.

✅ How to locate the SBI DropBox for the nearest location?

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  You can locate the SBI DropBox nearest to you by sending an SMS as follows:

Type Pin your 6 - digit pin code and send SMS to 56767. The details of the nearest SBI drop box will be sent to you.

✅What is the procedure for emergency card replacement?

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You can get an emergency card replacement anywhere in the world. You can contact the emergency card replacement services 39 02 02 02 (prefix local STD code) or 1860-180-1290 from anywhere in the world and request for a card replacement when your card is either lost or stolen. This service is available 24X7 across the globe.

✅What does Electronic Bill Payment Service mean?

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It is an online payment mode which allows payment of your Credit Card dues online directly from your bank account through internet banking, ATM, or the mobile app.

✅ What is the time taken for such payment to reflect in the credit card account?

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The payment made vide Electronic Bill Payment Service will reflect in the account in 3 working days.

✅ Do we get an acknowledgment for the payment made using the SBI Mobile App?

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On completion of the payment process, a message for either a successful or a failed payment will be displayed on the screen. A transaction reference number will also be generated which can be quoted in case of any queries regarding the transaction. In addition to this you will get an email message and an SMS regarding the status of the transaction.

✅ Up to what extent cash advance is provided on the BOM Credit Card?

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     Cash advance up to 80% of the credit limit will be provided.