BoM Credit Card – Benefits, Fees & Eligibility

BoM Credit Card

Introduction

The BoM Credit Card from Bank of Maharashtra offers a lifetime free experience with a host of benefits designed for everyday spending. Cardholders can enjoy welcome bonus reward points, earn rewards on purchases, benefit from fuel surcharge waivers, and avail features like contactless payments and instant EMI conversions. It also provides robust card liability cover for enhanced security.

Welcome Benefits

• 100 Bonus Reward Points on the first retail spend of Rs.1,000/- or above.

Fees

• Lifetime free credit card.
• Other charges may apply as per the Most Important Terms and Conditions (MITC).

Rewards

• Reward Points: Earn 1 Reward point for every Rs.100/- spent or multiples thereof on purchases made using the BoM Credit Card.
• Fuel Surcharge Waiver: A fuel surcharge waiver is available for fuel transactions ranging from Rs.500/- to Rs.4,000/- across all fuel stations in India. The maximum waiver is Rs.200/- per billing cycle.
• Add-on Cards: Add-on cards are offered free for lifetime.
• Offers:
  • Access to Rupay Offers (details available via a link on the bank's website).
  • Access to VISA card offers (details available via a link on the bank's website).
  • Exclusive Bank offers available at https://bankofmaharashtra.plutos.one.

Rewards Redemption Guide

• Reward points earned can be converted into mercantile.
• For converting eligible transactions into EMI, log in to the Credit Card Self Care Portal at https://creditcard.bankofmaharashtra.in/.

Card Eligibility Criteria

• Primary Cardholder: Must be aged between 21 years to 65 years.
• Add-on Cardholder: Minimum age required is 18 years.

Important Product Details

• Positive Highlights:
  • Lifetime free credit card.
  • Receive 100 bonus reward points on the first retail spend of Rs.1,000 or more.
  • Earn 1 reward point for every Rs.100 spent on purchases.
  • Enjoy fuel surcharge waivers for transactions between Rs.500 and Rs.4,000, with a maximum waiver of Rs.200 per billing cycle.
  • Features a zero liability cover for fraudulent transactions made after reporting the loss to the bank, and provides protection against card counterfeit/skimming and online frauds.
  • Offers contactless payment functionality for quick and secure transactions up to Rs.5,000 without requiring a PIN at participating merchants.
  • Allows conversion of transactions worth Rs.2,500 and above into EMIs.
  • Provides free lifetime add-on cards for loved ones.
  • Provides access to a range of Rupay, VISA, and exclusive Bank of Maharashtra offers.
• Negative Highlights/Limitations:
  • Transactions for the purchase of gold/jewellery are not eligible for conversion into EMI.
  • The credit card is delivered in an 'Inactive' status without a physical PIN and requires mandatory online registration and activation through the Customer Self Care Portal.
  • Specific channels such as Electronic Commerce (E-com), Near Field Communication (NFC - Tap and Pay/Contactless payment), and International Transactions are inactive by default and must be activated by the customer via the portal.
  • Other charges apply as per the Most Important Terms and Conditions (MITC), which are not explicitly detailed on this webpage.

Other Details

• Customer Support & Queries:
  • For more details, visit the nearest Bank of Maharashtra Branch.
  • Call the Toll-Free Numbers: 1800-233-4526 or 1800-102-2636.
  • Write to ccard_support@mahabank.co.in.
• Credit Card Activation Process:
  • The credit card will be delivered in an 'Inactive' status for security reasons and without a physical PIN.
  • Customers are required to register themselves on the Customer Self Care web portal (https://creditcard.bankofmaharashtra.in/) for activating the credit card and generating a Green PIN.
  • Activation Steps: Login to the card activation portal via web browser → New User Registration → Enter details → Continue → Enter OTP received on Mobile/email → Validate → Type Passcode → Submit.
  • Channels to be activated by customer: Electronic-Commerce (E-com), Near Field Communication (NFC- Tap and pay/Contactless payment), International Transactions.
  • A demo video for Credit Card registration and Activation is available at https://youtu.be/27FJ28grx0k.
• Forgot Password Facility:
  • To use the forgot password facility, login on the self-service web portal (https://creditcard.bankofmaharashtra.in/) → Click Forgot Password → Type User Id → Continue → Enter OTP → Validate → Type New Passcode → Submit.
• EMI Facility:
  • EMI facility is available on Bank of Maharashtra Credit Cards.
  • The minimum transaction amount that can be converted into EMI is Rs. 2,500/-.
  • Customers can repay EMI within different tenures, including 3, 6, 9, 12, 18, and 24 months.
  • Transactions done for the purchase of gold/jewellery are not allowed for conversion into EMI.
• Blocking Card (Loss/Theft/Misuse):
  • In case of loss, theft, or misuse of the card, it can be instantly blocked by the customer by calling the Toll-Free Numbers: 1800 233 4526 or 1800 102 2636.
• BoM Credit Card Bill Payment:
  • Bill payment can be done through the portal: https://pgi.billdesk.com/pgidsk/pgmerc/bomcard/BOM_card.jsp.
• Important Documents:
  • Most Important Terms and Conditions of BoM Credit Card (PDF document available for download).
  • Most Important Terms and Conditions of BoM Credit Card (Effective from 12.08.2024) (PDF document available for download).
  • Application form for the BoM Credit Card (PDF document available for download).