SBM Gild Fixed Deposit & Card app for iPhone and iPad

Replace your debit card and low interest savings account with SBM Gild FD-backed credit card.

Gild lets you spend from your fixed deposit (FD) through your linked SBM Gild credit card. Earn high interest on fixed deposits (FD) and get rewarded for your spends in digital gold at the same time.

Deposits and credit card are issued by SBM Bank (India) and is protected under deposit guarantee scheme of RBI. Gild is reported to the credit bureau as a credit card.

Gild is currently offered on VISA card network.

Key Features

Instant Account Opening
Instantly open a fixed deposit with attractive interest rates at 7.3% p.a for non-senior citizen. Deposits start from INR 20,000 to INR 5 Lakhs

No joining fees & annual fees waiver
Gild card has no joining fees and annual fees of INR 499 waived off for a spends on the card.

No eligibility, open for all
If you are an Indian citizen above 18 yrs old with valid PAN & Aadhaar then you can instantly get a Gild credit card. Gild is an ideal credit card for business owners, students, home makers, retired persons and for anyone who wants to get more returns from their money.

No waiting, instant credit card
Get an instant virtual credit card and start spending right away.

Free contactless card with metal card holder
Apply for a physical card for offline retail transactions and get a NFC card free with a metal card holder.

Gild means gold for spends
For every spend including fuel get rewarded in Petals which can be converted digital gold instantly. Digital gold is powered by SafeGold.

Low forex mark-up fee
Gild provides a low forex markup fee of 2.49% for foreign currency transactions which is 1% less than the market rates.

Manage everything on Gild App
Using the Gild App one can manage Fixed deposits, avail top-up deposits, manage credit card, block different types of transactions, view statements, pay bills, manage rewards and digital gold.

Safety & Protection
Your money is protected under RBI Deposit Insurance and Credit Guarantee Corporation (DICGC) and your payments are protected by highest safety standards of PCI-DSS