Bank of Maharashtra Credit Card

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Bank of Maharashtra offers credit cards with some great features. Find the right card for you on Paisabazaar.

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I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :23/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CIBIL TERMS AND
CONDITIONS

To,
TransUnion CIBIL Limited
[Formerly known as Credit Information Bureau (India) Limited]
One Indiabulls building ,Unit No 1901 – 1905,
19th Floor, Tower 2A-2B, Jupiter Mill compound,
Senapati Bapat Marg, Lower Parel, Mumbai 400 013

Sub: Grant of Consent

Dear Sirs,

In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Paisabazaar (referred to as the “Company”) and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:

A. The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.

B. I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.

C. I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.

D. I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL

E. I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company.

F. I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Paisabazaar authorizing Paisabazaar to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Paisabazaar to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Paisabazaar to obtain my Consumer Credit Information.

G. I understand that in order to deliver the product to me, I hereby authorize Paisabazaar, to obtain my Consumer Credit Information from TUCL.

H. By submitting this registration form, I understand that I am providing an express adhoc one-time written instructions for Paisabazaar to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Paisabazaar account. I further authorize Paisabazaar to retain a copy of my information for use in accordance with the terms of use of this service, Paisabazaar’s Terms of Use and Privacy Policy.

I. I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

J. I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Company . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.

K. I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.

Yours faithfully,
Name :

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :23/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EQUIFAX TERMS AND
CONDITIONS

I Mr./Ms. -------------------- ---------------------residing at ------------------------ ---------------------------------------- do hereby authorise Paisabazaar Team ,to do all acts on my behalf as may be necessary including to execute/sign application(s), make payment of applicable fees* and generally to all other acts as may be necessary to receive, on my behalf and at my request, my Credit Information Report (CIR) from Equifax Credit Information Services Private Limited("Equifax") at the following address/email id:

I hereby confirm that all the powers hereby conferred may be exercised by officer(s) or manager(s) / agent(s) / employees of the Paisabazaar who is duly authorized by the Paisabazaar.

I hereby confirm, agree, undertake and accept that I shall at all times be solely responsible for all the above actions and omissions of the Paisabazaar shall be binding on me as though such actions had been carried out by me directly. I further confirm that my CIR shall be used only for the purpose as mentioned in the attached standard terms and conditions and I shall be solely liable for, and indemnify and hold harmless Equifax for and against, any and all third party claims or damages or proceedings of any kind, arising from or in connection with (a) any misrepresentations, incorrect information or omission of any critical information in my application, or (b) furnishing my CIR based on this authorization letter, and shall not at any time hold Equifax or its affiliates and their respective officers, directors, employees or representatives liable in this respect.

I hereby also confirm that I have only appointed Paisabazaar to be my authorized agent/representative for collection of my CIR.

I undertake to keep Equifax intimated and informed at all times, of any renewals or termination of the authorization to Paisabazaar or any amendments, modifications or changes in the terms governing the obligations or my relationship with Paisabazaar.

I shall at all times co-operate with Equifax and execute and deliver to Equifax such instruments and documents and take such other actions as may be required by Equifax from time to time in connection with this authority letter.

By signing on this authorization letter, I hereby acknowledge and accept the Standard Terms and Conditions mentioned above.

Date : 23/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :23/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

EXPERIAN TERMS AND
CONDITIONS

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM EXPERIAN.

YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY EXPERIAN TO YOU AND PAISABAZAAR AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU HEREBY ALSO AGREE AND ACKNOWLEDGE THAT FOR PAISABAZAAR TO SERVICE YOU AS A CUSTOMER, THE CREDIT INFORMATION SHALL BE SHARED BY EXPERIAN WITH YOU AND PAISABAZAAR ON A MONTHLY BASIS. YOU FURTHER ALSO AGREE AND CONSENT TO RECEIVE SUCH CREDIT INFORMATION DIRECTLY FROM EXPERIAN AND ALSO THROUGH YOUR PAISABAZAAR ACCOUNT AS PER YOUR INDEPENDENT REGISTRATION WITH PAISABAZAAR.

Please read the Terms and Conditions of this document carefully before accepting. By clicking on the "I ACCEPT" button below, you are expressly agreeing to access the Experian Credit Information Report and Credit Score (as defined in the Important Information Section below) (together referred as "Credit Information") and share a copy of the Credit Information with Paisabazaar in the "as is" format. Please click on the link below to read and understand the Important Information section below.

** This document is an electronic record in terms of the Information Technology Act, 2000 and Rules made there under, and the amended provisions pertaining to electronic records.

Information Collection, Use, Confidentiality, No-Disclosure and Data Purging

PAISABAZAAR/ We/ Us can only access your Credit Information as your authorized representative and we shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from us on the Website. We shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

We shall protect and keep confidential the Credit information both online and offline and use best in class security measures in line with applicable laws. The Credit Information shared by You, or received on your behalf shall be destroyed, purged, erased promptly upon the earlier of: (i) your written request to terminate this relationship with Paisabazaar (ii) the completion of provision of the Services by us to you.

Governing Law and Jurisdiction The relationship between you and the Parties shall be governed by laws of India and all claims or disputes arising there from shall be subject to the exclusive jurisdiction of the courts of [Mumbai].

Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
"Credit Information Report" means the credit information / scores / aggregates / variables or reports which shall be generated by Experian;
"Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by Experian.
"CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
PLEASE READ THE ABOVE MENTIONED IMPORTANT INFORMATION AND CLICK ON "ACCEPT" FOLLOWED BY THE LINK BELOW TO COMPLETE THE AUTHORISATION PROCESS FOR SHARING OF YOUR CREDIT INFORMATION BY EXPERIAN WITH YOU AND PAISABAZAAR, IN ITS CAPACITY AS YOUR AUTHORISED REPRESENTATIVE.
BY CLICKING "ACCEPT" YOU AGREE AND ACCEPT THE DISCLAIMERS AND TERMS AND CONDITIONS SET OUT HEREIN. THE TERMS AND CONDITIONS MENTIONED HEREIN MAY CHANGE IN ORDER TO COMPLY WITH GOVERNING LAWS OF THE COUNTRY AND THE CONSUMER SHALL BE BOUND TO ANY CHANGES TO THIS AGREEMENT

Name :
Date : 23/01/2020

I hereby appoint Paisabazaar as my authorised representative to receive my credit information from the following bureau partners :

I hereby unconditionally consent to and instruct the above bureaus to provide my credit information to me and Paisabazaar on a month to month basis. I understand that I shall have the option to opt out/unsubscribe from the service.

Name :
Date :23/01/2020

CC:
Paisabazaar.com,
Paisabazaar Marketing and Consulting Private Limited

CRIF HIGH MARK TERMS
AND CONDITIONS

This End User Agreement (the "Agreement") is made between you (the "User" or "You") and Paisabazaar Marketing and Consulting Pvt Ltd ("PaisaBazaar"), a private limited company having its registered office at Plot No 119, Sector-44, Gurgaon-122001, Haryana ("PAISABAZAAR", "Us" or "We", which term shall include its successors and permitted assigns). The User and PAISABAZAAR shall be collectively referred to as the "Parties" and individually as a "Party".

YOU HEREBY APPOINT PAISABAZAAR AS YOUR AUTHORISED REPRESENTATIVE TO RECEIVE YOUR CREDIT INFORMATION FROM CRIF HIGH MARK. BY EXECUTING THIS AGREEMENT / CONSENT FORM, YOU ARE EXPRESSLY AGREEING TO ACCESS THE CRIF HIGH MARK CREDIT INFORMATION REPORT AND CREDIT SCORE, AGGREGATE SCORES, INFERENCES, REFERENCES AND DETAILS (AS DEFINED BELOW)(TOGETHER REFERRED AS "CREDIT INFORMATION"). YOU HEREBY ALSO IRREVOCABLY AND UNCONDITIONALLY CONSENT TO SUCH CREDIT INFORMATION BEING PROVIDED BY CRIF HIGH MARK TO YOU AND PAISABAZAAR BY USING CRIF HIGH MARK TOOLS, ALGORITHMS AND DEVICES AND YOU HEREBY AGREE, ACKNOWLEDGE AND ACCEPT THE TERMS AND CONDITIONS SET FORTH HEREIN. YOU ALSO ACKNOWLEDGE THAT YOU SHALL NOT RAISE ANY CLAIM OR HOLD LIABLE CRIF HIGH MARK CREDIT INFORMATION SERVICES PRIVATE LIMITED IN RELATION TO YOUR CREDIT INFORMATION REPORT AND CREDIT SCORE PROVIDED OR TO BE PROVIDED BY CRIF HIGH MARK TO PAISABAZAAR.

Terms and Conditions: Information Collection, Use, Confidentiality, No-Disclosure and Data Purging PAISABAZAAR shall access your Credit Information as your authorized representative and PAISABAZAAR shall use the Credit Information for limited end use purpose consisting of and in relation to the services proposed to be availed by you from PAISABAZAAR. PAISABAZAAR shall not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent the Credit Information to any other person and the same cannot be copied or reproduced other than as agreed herein.

The Parties agree to protect and keep confidential the Credit Information both online and offline. The Credit Information shared by you, or received on by us on your behalf shall be destroyed, purged, erased promptly upon request from the consumer or the consumer withdrawing the consent to retain such credit information / reports by deleting/deactivating the consumers account with Paisabazaar.

Governing Law and Jurisdiction Definitions: Capitalised terms used herein but not defined above shall have the following meanings:
" Business Day" means a day (other than a public holiday) on which banks are open for general business in Gurgaon and Mumbai.
" Credit Information Report" means the credit information / scores/ aggregates / variables / inferences or reports which shall be generated by CRIF High Mark;
" Credit Score" means the score which shall be mentioned on the Credit Information Report which shall be computed by CRIF High Mark.
" CICRA" shall mean the Credit Information Companies (Regulation) Act, 2005 read with the Credit Information Companies Rules, 2006 and the Credit Information Companies Regulations, 2006, and shall include any other rules and regulations prescribed thereunder.
IN CASE THERE IS ANY DISCREPANCY OR INABILITY IN COMPLETION OF ONLINE AUTHENTICATION, PLEASE SUBMIT YOUR SELF ATTESTED KYC DOCUMENTATION IN SCANNED COPIES FOR SHARING OF YOUR CREDIT INFORMATION BY CRIF HIGH MARK WITH YOU AND PAISABAZAAR (YOUR AUTHORISED REPRESENTATIVE).
ONLINE SUBMISSION - DOES NOT REQUIRE SIGNATURE AND EXECUTION"

Name :
Date :23/01/2020

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Updated: 24-09-2019 13:11:32 PM

The Bank of Maharashtra credit cards offer simpler and smarter solutions to all daily financial needs of an individual along with the power to save while you earn. One may use their Bank of Maharashtra credit card for all their needs ranging from shopping to dining and holidaying to fuelling up. The Shop & Smile reward Program of Bank of Maharashtra credit cards offer rewards points against every single penny spend and reward points on your credit card can be redeemed against either the outstanding balance or any gifts from the rewards catalogue. The other special features of Bank of Maharashtra credit cards are:

  • Earn 1 Reward Point for every Rs. 100 spent on Bank of Maharashtra credit cards.
  • Accelerated reward points to offer 2.5% of Value Back on departmental store and grocery purchases using Bank of Maharashtra credit cards.
  • Waiver of 2.5% fuel surcharge for fuel purchase done using the Bank of Maharashtra cards.
  • Bank of Maharashtra cards offers online facility to view Card account summary, Hotlist lost or stolen credit cards or Request for duplicate credit card statement of their Bank of Maharashtra credit card
  • Other value add services in bank of Maharashtra credit cards includes balance transfer option , FLEXIPAY option to convert credit card outstanding into EMIs, pay Bank of Maharashtra credit card bills using 6 different options.
  • State of the art online facilities to check the Bank of Maharashtra credit cards eligibility, choose a Bank of Maharashtra card as per requirement, and apply for a Bank of Maharashtra credit card.
  • Bank of Maharashtra credit cards insurance cover protects the card holder from any liability due to fraudulent transactions

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The two types of credit cards offered by Bank of Maharashtra are:
The two types of credit cards offered by Bank of Maharashtra are:
  1. Bank of Maharashtra Gold card. 

This bank of Maharashtra credit card comes with a onetime fee of Rs. 499.

The annual fees of Rs. 499 are waived off in case the Bank of Maharashtra credit cardholders spends more than Rs. 75,000 in the previous year. There is no Add-on fee as well for Bank of Maharashtra cards

Other Features of Bank of Maharashtra Gold card

  1. Reward Points:-
  • After spending Rs. 100 using this card, customers can earn 1 reward point.
  • The earned reward point could be used to redeem against gifts or to pay outstanding balance of the gold credit cards offered by Bank of Maharashtra.
  1. Wide acceptability
  • Bank of Maharashtra gold card can be used at over 3, 25,000 outlets in India and in more than 24 million outlets in the world.
  • This card can be used at any outlets which accept MasterCard or Visa card to make payment.
  • Within 30 days of receiving the card, customers can get cash back of Rs. 100 on first ATM cash withdrawal.
  • This card also provides facility of add on card of family members who are more than 18 years of age.
  • Cash withdrawal can be done from 1 million Visa ATMs around the world.
  1. Utility Bill Payment Facility:-
  • The Gold credit cards offered by Bank of Maharashtra makes life simpler for the card holder through Easy Bill Pay facility mobile, telephone, electricity and other utility bills payments. Fast Pay, Auto Pay and Register Pay option is available.
  1. Railway Tickets Booking:-
  • Railway tickets can be booked online and delivered using this card. In order to do that, customer needs to visit the IRCTC website and get registered, log in using his/her username and password, needs to follow instructions on the website and then using the SBI credit card, payment need to be made.
  1. Balance Transfer on EMI:-

Customers can save money by transferring his outstanding credit card balances of another bank to Bank of Maharashtra gold credit card and get lower interest rate. The gross outstanding shall be merged with the Bank of Maharashtra credit card bills and later on paid in between 3 and 6 months. If the outstanding balance from a Visa Credit Card is transferred, it will take 3 working days to complete the transfer of the amount. In case, the other bank card is not Visa, then customer will get a cheque of the particular amount within 5 working days. A penalty of 3% of the outstanding balance will be charged if the balance transfer facility is closed before the tenure completion.

  1. Online facilities

State of the art online facilities to check the Bank of Maharashtra credit cards eligibility, choose a Bank of Maharashtra card as per requirement, and apply for a Bank of Maharashtra credit card and later on access the credit card account online. In order to get this benefit, customer needs to log on to sbi website using the username and password for their card account and register their Bank of Maharashtra credit card with their account.

  1. Easy Money:-

Against the cash limit on Bank of Maharashtra credit card, a cheque or draft can be received and delivered to home using Easy Money facility. For booking Easy Money, customer needs to login to sbi card website & register their Bank of Maharashtra credit card.

  1. Flexipay:-

Flexi pay is a facility offered on register their bank of Maharashtra credit card wherein transactions can be converted into monthly installments. It could be paid in a period of 6, 9, 12 and 24 months. At first, a purchase of Rs 2,500 or more is to be made using this card in order to get the EMI conversion offer from the bank. Within 30 days of purchase, customer needs to visit the online banking website of SBI in order to convert a big-ticket purchase to flexipay.

  1. SBI Card Drop Box Locator:-

The customer can get information regarding nearby drop boxes by sending an SMS to the customer service number provided by Bank of Maharashtra. The card holder can dop a cheque within the due date to make the required payment.

  1. Extended Credit:-

In case the outstanding balance of previous months for Bank of Maharashtra credit cards are already paid, then there is an interest free period of 20 to 25 days for retail purchases.

  1. Insurance Cover

The Bank of Maharashtra credit card insurance scheme ensures cover against any adverse liability in case of fraud on the Bank of Maharashtra credit card.

Charges & Fees for Bank of Maharashtra credit card
Charges & Fees for Bank of Maharashtra credit card
  1. Fee: -

From the date of withdrawal, 3.35% per month is the finance charge amounting to 40.2% per annum.

In domestic ATMs, cash advance fee is 2.5% of withdrawal amount or INR 300 per transaction, whichever is higher. For international ATMs, it is 3% of the withdrawal amount or INR 300, whichever is higher.

  1. Other Charges related to Bank of Maharashtra Credit Card:-
  1. Rs.  100 for card replacement.
  2. Rs.  99 for reward redemption fee of rewards.
  3. Rs. 100 for Cash OTC fee, actual cost of card with a minimum of Rs.175 in case of emergency card replacement outside India.
  4. In case of cheque bounce, 2% of the cheque dishonor amount (min-INR 350 and max-INR 500). For over limit, 2.5% of the over limit amount (minimum of INR 350) needs to be paid
  5. Rs. 225 per charge slip for charge slip retrieval and Rs. 100 for statement retrieval need to be paid accordingly.
  6. For foreign currency transaction, 3.5% is the conversion mark.
  1. Late payment charges:
  • For amount due from Rs 0 to Rs 200, cardholder doesn’t need to pay.
  • For amount due more than Rs. 200 and up to Rs. 500, Rs.100 needs to be paid.
  • For amount due more than Rs. 500 and up to Rs. 1,000, Rs. 200 needs to be paid.
  • For amount due more than Rs. 1,000 to and up to Rs. 10,000, Rs. 500 needs to be paid.
  • For amount due more than Rs. 10,000, Rs. 750 needs to be paid.
  1. Surcharge:-

If customer purchases railway ticket at counter using SBI Gold credit card, then the surcharge applicable is Rs. 30 plus 2.5% of the transaction amount and if he purchases his ticket online, then the surcharge will be 1.8% of the transaction amount with service charge.

If customer purchases fuels or other products available at petrol pumps, then, for each transaction between Rs. 500 and Rs. 3,000, he will get a surcharge waiver of 2.5% exclusive of GST.

Note: -

  • Only local cheques are accepted for receiving payment.
  • On fees, charges and interest, service charges are applicable.
Bank of Maharashtra platinum card
Bank of Maharashtra platinum card

The key features of Bank of Maharashtra platinum credit card are

  • Bank of Maharashtra Platinum Credit Card is an elite class credit card offered to enhance every congenial experience in life.
  • Welcome Gift & Anniversary Gift worth Rs. 3,000 from any one of the VISA retail Partners on the bank of Maharashtra credit card.
  • The platinum Bank of Maharashtra cards offers Spend Rewards as 1 Free Domestic One Way Air Ticket from Indigo Airlines or Gift Voucher worth Rs. 3,000
  • Complimentary membership airport lounge access program with over 600 airport lounges worldwide for Bank of Maharashtra credit cardholders.
  • Bank of Maharashtra platinum card can be used in 2, 85,000 outlets in India and in more than 2 million outlets in the world.
  • Bank of Maharashtra credit cards insurance cover to protect the card holder from any financial loss or liabilities.

Other Features of Bank of Maharashtra platinum card

Easy Money:-

  • Against the cash limit, a cheque or draft can be received and delivered to home using Easy Money facility. For booking Easy Money, customer needs to login to the card issuer website.

Flexipay:-

  • Flexipay is a facility wherein transactions can be converted into 3 monthly installments. It could be paid in a period of 6, 9, 12 and 24 months. At first, a purchase of Rs 2,500 or more needs to be made using this card. Within 30 days of purchase, customer needs to visit sbi website and then convert it into flexipay.

Railway Tickets Booking:-

  • Railway tickets can be booked online and delivered using this card. In order to do that, customer needs to visit irctc.co.in and get registered, log in using his/her username and password, needs to follow instructions on the website and then using the SBI credit card, payment need to be made.

Utility Bill Payment Facility:-

  • With the help of Easy Bill Pay facility mobile, telephone, electricity and other utility bills can be paid. Fast Pay, Auto Pay and Register Pay option is available.

Extended Credit:-

  • If outstanding balance of previous months is already paid, then there is a interest free period of 20 to 25 days. It is only for retail purchases.

Online facilities

State of the art online facilities to check the Bank of Maharashtra credit cards eligibility, choose a Bank of Maharashtra card as per your requirement, and apply for a Bank of Maharashtra credit card through Paisabazaar. In order to get this benefit, customer needs to log on to the card issuer website using the username and password and register their bank of Maharashtra credit card.

Bank of Maharashtra credit card fees – Platinum card

There is a onetime fee of Rs. 2,999 needs to be paid by the customer annually for this card. However, in the previous year, if total purchases made by the customer are more than INR 2 lakhs, he will get vouchers of INR 3,000 as renewal gift.

Minimum amount due- For purchases minimum amount due could be 5% of total outstanding balance as per most recent statement.

Cash Advance Limit - Up to 80% of credit limit. Customer can withdraw maximum Rs. 15,000 per day.

Finance Charges- Customer needs to pay a finance charge up to 3.35% per month.

Cash Advance Fee: - From the date of withdrawal, 3.35% per month is the finance charge amounting to 40.2% per annum.   In domestic ATMs, cash advance fee is 2.5% of withdrawal amount or INR 300 per transaction, whichever is higher. For international ATMs, conversion mark is 3.5%.

Other Charges related to this card:-

  1.  Rs. 90 for cheque book.
  2. Rs.  100 for card replacement.
  3. Rs.  99 for reward redemption fee.
  4. Rs.  100 for Cash OTC fee, actual cost of card with a minimum of $175 in case of    emergency card replacement outside India.
  5. In case of cheque bounce, 2% of the cheque dishonor amount (min-Rs. 350 and max-INR 500) is charged by Bank of Maharashtra in every instance. For over limit, 2.5% of the over limit amount (minimum of Rs. 350) needs to be paid to the card issuer.
  6. Rs. 225 per charge slip for charge slip retrieval and Rs. 100 for each statement retrieval needs to be paid accordingly.
  7. For foreign currency transaction, 3.5% is the conversion amount is charged as mark-up.

Surcharge:-

If customer purchases railway ticket at counter using SBI Platinum credit card, then the surcharge applicable is INR 30 plus 2.5% of the transaction amount and if he purchases his ticket online, then the surcharge will be 1.8% of the transaction amount with additional service charge.

If customer purchases fuels or other products available at petrol pumps, then, for each transaction between Rs. 500 and Rs. 4,000, he will get a surcharge waiver of 2.5% exclusive of GST.

  • Only local cheques are accepted for receiving payment.
  • On fees, charges and interest, service charges are applicable.
  • These vouchers cane be redeemed at Shopper Stop, Lifestyle, Jabong and Raymonds outlets.
  • Customers can also get access to over 300 golf courses across the globe. 30% discount on the green fee is available as well. Moreover, cash can be withdrawn from more than 1 million Visa ATMs across the world.  This card also provides facility of add on card of family members who are more than 18 years of age.

Balance Transfer on EMI for Bank of Maharashtra platinum card

  • Customers can save money by transferring his credit card balances of another bank to Bank of Maharashtra platinum card and get lower interest rate. It could then be paid in between 3 and 6 months. To do this, he needs to transfer the balances of all the other cards onto his SBI-Bank of Maharashtra Card. If the outstanding balance from a Visa Credit Card is transferred, it will take 3 working days to complete the transfer of the amount. It could then be paid in between 3 and 6 months.  In case, the other bank card is not Visa, then customer will get a cheque of the particular amount within 5 working days.
  • In order to get this benefit, customer needs to log on to the sbi card website using the username and password and register their Bank of Maharashtra platinum card.
How to apply for Bank of Maharashtra credit cards
How to apply for Bank of Maharashtra credit cards
  • Interested applicant can apply for a credit card offered by Bank of Maharashtra online by visiting the paisabazaar.com website.
  • Select the BOM credit card of your choice from the list of cards available online.
  • The page would redirect automatically to the BOM credit card section on the SBI webpage.
  • Applicants can check the necessary Bank of Maharashtra credit cards documents & other BOM credit card details and select the variant of Credit card from Bank of Maharashtra they want to apply. The application can be tracked online as well using the unique identification number.
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