Bank of Maharashtra Credit Cards

About Bank of Maharashtra

Bank of Maharashtra is a public-sector bank, founded in 1935 and headquartered in Pune, serving retail and government-employee customers. It offers two credit cards: a standard unsecured BoM Credit Card built around fuel surcharge waivers, dining discounts, and utility bill payment rewards; and a secured, FD-backed BoM Secured Credit Card for applicants who don't meet the regular income or credit-history requirements.

Card-by-Card Breakdown

BoM Credit Card is the standard, unsecured option - free to hold, with fuel surcharge waivers, dining discounts, and utility bill rewards, suited to applicants who comfortably meet the regular income and credit-score bar.

BoM Secured Credit Card offers the same benefit set but substitutes a fixed deposit for income and credit-history requirements - your credit limit is set as a percentage of the FD, making it accessible to students, first-time cardholders, or anyone rebuilding credit.

Applying for a Bank of Maharashtra Credit Card

For the standard card, applicants generally need a minimum income of ₹3 lakh p.a. and a CIBIL score of 700+. If you don't meet that bar, the secured card removes the income/credit-history dependency entirely by requiring a qualifying fixed deposit instead - a practical fallback rather than a lesser product, since both cards share the same core benefits.

Both cards earn 1 reward point per ₹100 spent, so the reward structure is identical - the only real decision is which approval path fits your circumstances.

Explore the full card portfolio below to find the right card for your spending profile.