Switch to Gild and earn high interest on your deposit, and digital gold for your spends.
Earn like an FD.
Pay like a credit card.
Get gold on every spend.
Introducing Gild – where your FD earns both interest as well as gold, giving you returns upto 15% p.a without any market risk.
How Gild works?
- Open an instant FD account at 7.3% p.a for 2 years and 3 days tenure and unlock your FD on Gild Card.
- 90% of your deposit value is available to you as credit limit on your Gild card
- Every time you spend on Gild card, you earn rewards that can be redeemed into digital gold
- You earn gold on spends, while your FD keeps giving high returns
Everyone is eligible, No documents required, 100% approval
India’s first real gold rewards with Gild’s Petal Program.
EVERY SPEND EARNS YOU PETALS*
1 CLICK GOLD REDEMPTION
YOUR PETALS WILL NEVER EXPIRE
DIRECT REDEMPTION WITHOUT SPENDING
Key Features
Instant Account Opening
Instantly open a fixed deposit with attractive interest rates at 8.4% 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.
All the convenience of a credit card without the debt trap.
NO JOINING FEES FOR A LIMITED TIME
YOUR GILD CARD LIABILITY IS CAPPED
YOU HAVE CONTROL OVER YOUR CREDIT LIMIT
ENJOY INTEREST-FREE CREDIT PERIOD OF 45 DAYS
Crafted without compromise
OPEN YOUR A/C IN UNDER 3 MINS
INSTANT ALERTS FOR YOUR PAYMENTS & DUES
TAP AND PAY WITH YOUR GILD CARD
ZERO LOSS LIABILITY FOR YOUR GILD CARD
Who should take Gild?
- If you love Fixed deposits, then this is the better version of FD. Instead of a plain vanilla FD with Gild your FD can do much more
- Gild is 4X better than having money in savings account, so you move your idle money from your savings and start spending from Gild card
- If you are using debit card for online spends, then Gild is better as it provides 2X better interest and certainly better rewards than a debit card
- If you are not into credit cards, yet needs the flexibility and rewards without the risk of going into debt then Gild is the better choice as you choose your limit by depositing and yet get credit card like features.
Is your money safe?
Deposits and card are issued by SBM Bank (India) and is protected under deposit guarantee scheme of RBI.
Finally a credit card that doesn’t make you sweat.
Meaning your chances of defaulting is close to zero. We’ve changed the rules so there’s finally a credit card in the market which you don’t have to fear.
Disclaimer:
Gild is reported to the credit bureau as a credit card.
Gild is currently offered on VISA card network.
SBM Gild Fixed Deposit & Card
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