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Lifetime FreeLast updated: 13 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2 points per ₹100 spent
Earn 2 reward points for every ₹100 spent on eligible purchases. Points can be redeemed for air miles, vouchers, or statement credit.
The privileges that come bundled in, beyond the reward points.
8 complimentary lounge visits per year
2% reward points on eligible spends
₹3,000 welcome voucher
Lifetime free on first year (based on OnePaisa data)
An honest read on where this card earns its keep — and where it doesn't.
Lifetime free on first year
8 annual lounge visits
Consistent 2% reward points
Annual fee applies after first year if spend criteria not met
Standard APR rates
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Bank of Maharashtra SBI Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Bank of Maharashtra SBI Credit Card.
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Everything you need to know about Bank of Maharashtra SBI Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, Bank of Maharashtra SBI Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
Bank of Maharashtra SBI Credit Card earns Reward Points at a primary rate of 2 points per ₹100 spent. Specifically, Earn 2 reward points for every ₹100 spent on eligible purchases. Points can be redeemed for air miles, vouchers, or statement credit.. Spends in Lifestyle, Shopping, Travel categories provide the maximum valueback per transaction on this card.
Yes, Bank of Maharashtra SBI Credit Card features complimentary airport lounge privileges. Privileges include: "8 complimentary lounge visits per year". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Bank of Maharashtra SBI Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Bank of Maharashtra SBI Credit Card is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Bank of Maharashtra SBI Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Bank of Maharashtra SBI Credit Card currently features a welcome offer: "₹3,000 welcome voucher on activation". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Lifetime free on first year and 8 annual lounge visits. However, keep in mind that Annual fee applies after first year if spend criteria not met and Standard APR rates. Overall, Bank of Maharashtra SBI Credit Card delivers strong value if your regular spending aligns with Lifestyle, Shopping, Travel.
You can apply for Bank of Maharashtra SBI Credit Card directly through Bank of Maharashtra's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
