BoM Credit Card VS BoM Secured Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
BoM Credit Card
BoM Secured Credit Card
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.
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.
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.