BoM Credit Card VS Bank of Maharashtra SBI Card Elite VS Bank of Maharashtra SBI Card Prime VS BoM Secured Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BoM Credit Card
Bank of Maharashtra SBI Card Elite
Bank of Maharashtra SBI Card Prime
BoM Secured Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Enjoy a lifetime free credit card with no joining or renewal fees.
Earn reward points on every ₹100 spent, making everyday purchases rewarding.
Benefit from fuel surcharge waivers on transactions between ₹500 and ₹4,000.
Secure your finances with zero liability cover against fraudulent use.
Conveniently convert large purchases into easy EMIs with flexible tenures.
Pros
Key benefits and features.
Substantial welcome e-Gift Voucher worth Rs. 5,000 from top brands.
High reward earning rate with 5X points on dining, departmental stores, and groceries.
Extensive lounge access with 6 international and 8 domestic visits annually.
Significant milestone benefits, offering up to 50,000 bonus reward points yearly.
Complimentary movie tickets worth ₹6,000 every year, enhancing entertainment value.
Pros
Key benefits and features.
Substantial welcome e-Gift Voucher worth ₹3,000 from top lifestyle brands.
Extensive domestic and international lounge access for frequent travelers.
Accelerated reward points on dining, groceries, and utility bill payments.
Significant milestone benefits including e-vouchers on reaching spend thresholds.
Nil add-on card fee and comprehensive fraud liability cover for security.
Pros
Key benefits and features.
Excellent for building credit history without needing income proof.
Enjoy a lifetime free card with instant approval and no joining or renewal fees.
Benefit from domestic airport lounge access twice per quarter and fuel surcharge waiver.
Earn reward points on all your spends while continuing to earn interest on your FD.
Offers free add-on cards and an interest-free credit period for financial flexibility.
Cons
Key drawbacks and limitations.
The reward earning rate is relatively basic compared to premium cards.
Lacks specific high-value benefits for categories like dining, travel, or movies.
Reward redemption options are vaguely described as "converting into mercantile."
The maximum fuel surcharge waiver is capped at ₹200 per billing cycle.
Cons
Key drawbacks and limitations.
High annual fee of ₹4,999, which might be steep for some users.
Annual fee waiver requires a high spend of ₹10 lakhs, limiting accessibility.
Reward points redemption value is low at 4 points = ₹1, reducing overall benefit.
Lounge access benefits are capped, with international visits limited to 2 years.
Cons
Key drawbacks and limitations.
Annual fee of ₹2,999 + taxes is relatively high for some users.
Reward points on utility bills significantly drop after initial 3000 points.
Birthday reward points are capped at 2,000 per calendar year, limiting benefits.
No explicit mention of foreign currency markup or interest rates in the details.
Lounge access is capped quarterly, which might be restrictive for very frequent flyers.
Cons
Key drawbacks and limitations.
Mandatory requirement of a fixed deposit with Bank of Maharashtra for eligibility.
EMI conversion facility is explicitly not allowed for gold and jewellery purchases.
Lounge access is limited to domestic airports only, with just two visits per quarter.