Question 1

1. What are the joining and annual fees for the Gild credit card?

Accepted Answer

The Gild credit card is lifetime free, with no joining or annual fees. To obtain the card, you need to make a minimum FD deposit of Rs. 10,000.

Question 2

2. What is the credit limit on the Gild credit card?

Accepted Answer

The Gild credit card offers a credit limit of 90% of your FD amount. For example, if your FD is Rs. 50,000, your credit limit will be Rs. 45,000.

Question 3

3. How does the reward program work on the Gild credit card?

Accepted Answer

With the Gild credit card, you earn 0.75% back as Petals on POS or e-commerce transactions. Petals can be redeemed for digital gold, cashback, or other rewards, with 1 Petal equal to Rs. 1 worth of digital gold.

Question 4

4. Can I withdraw cash using the Gild credit card?

Accepted Answer

Yes, you can withdraw cash using the Gild credit card. The cash withdrawal fee is Rs. 125 per transaction, with a cap of Rs. 10,000 per transaction.

Question 5

5. What features are available in the Gild mobile app?

Accepted Answer

The Gild mobile app allows you to manage your FD, make top-ups, activate or lock your card, adjust card limits, track transactions, and set reminders for bill payments.

Question 6

6. Who is eligible to apply for the Gild credit card?

Accepted Answer

Anyone between the ages of 18 and 60 who is an Indian citizen and opens an FD of at least Rs. 10,000 is eligible to apply for the Gild credit card. No credit checks or income proofs are required.

Question 7

7. What is the interest rate on the Gild credit card?

Accepted Answer

The Gild credit card offers an interest rate of 7.7% per annum on the fixed deposit amount. The revolving credit interest rate is 30% per annum.

Gild Credit Card

Benefits & Features

Welcome Offer

Rewards Rate

Reward Type

Reward Redemption

Movie & Dining

Travel Benefits

Domestic Lounge Access

International Lounge Access

Premium Benefits

Insurance Coverage

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