Unlock exciting benefits with the Mobikwik SBM First FD Credit Card, offering a range of welcome rewards, SuperCash earnings, and exclusive launch offers for new cardholders.
💳 Welcome Benefits
- Accessible upon card activation.
- Valid for three (03) months from the card activation date.
- Enjoy exclusive discounts and offers from popular brands like Amazon Prime, Yatra, Boat, EazyDiner, Gaana, and more.
- Post-activation, SBM Bank will send an email with details to access these welcome benefits.
- Each offer has a defined validity period and cannot be extended once expired.
💸 Regular Benefits (SuperCash)
- No minimum transaction value required for UPI transactions via other third-party apps.
- 1 SuperCash = ₹1.
- SuperCash can be redeemed for mobile recharges, bill payments, and gift card purchases on the MobiKwik app.
- For gift card purchases, SuperCash redemption is capped at 10% of your total available SuperCash balance.
- No cap on the number of redemptions or the SuperCash amount redeemed per transaction (except for gift cards).
- SuperCash is not earned on reversed or refunded retail transactions.
- Excluded categories for earning SuperCash include Dating, Gambling, Government Services, Tax Payments, Funding, Financial Institutions, and Real Estate.
- SuperCash will be credited within 7 working days of credit card statement generation.
- Unused SuperCash expires 3 months from the date of credit to your MobiKwik account.
- SuperCash Usage Details:
- Provides an instant discount on each transaction.
- For recharge and bill payments, 1% (up to ₹10) of the transaction amount will be used from your SuperCash balance.
- You can use up to ₹50 SuperCash on Recharge & Bill Payments (max ₹10 per month across all categories) in a calendar month.
- Up to 5% SuperCash can be used on MobiKwik Gift Card purchases.
- Users with OTP verified KYC can use SuperCash in 5 transactions per day. Minimum KYC users can use up to ₹50 SuperCash.
- Cannot use SuperCash more than once a day on a single sub-category from Recharge and Bill Payments.
- SuperCash usage is not applicable for transactions where Free Money or Bajaj Insta Credit Money is being used.
- Option to use SuperCash on Credit Card bill payments is now available.
🏆 Limited-Time Launch Offer
- Eligibility: All cards issued and activated between June 20, 2025, and July 15, 2025.
- Campaign Period: Spends from June 20, 2025, till 11:59 PM on July 31, 2025, will be considered.
- Minimum Spend: Cardholders must spend a minimum of ₹10,000 during the Campaign Period to be eligible for prizes.
- Prizes:
- The top 2 spenders will receive 1 smartphone each.
- The next 100 spenders will receive 1 set of earbuds each (or equivalent).
- Winner Announcement: Winners will be selected and announced by SBM Bank within 45 days of the Campaign Period end.
- Certain spend categories are excluded from total spend calculation (similar to SuperCash exclusions).
💰 Fees & Charges
While the Membership Fee and Annual Maintenance Fee are ₹0, please note the following:
- Physical Card Fee: ₹200 (plus GST).
- Interest Rate for Cash Transactions: 3.5% per month or 42% per annum (no interest-free period).
- Interest Rate for POS/ECOM (after credit-free period): 3.5% per month or 42% per annum.
- Cash Transactions Fee / ATM Withdrawal Fee: 2.5% of amount withdrawn or ₹250 (whichever is higher, per transaction).
- Physical Statement Fee: ₹100 per statement (0 free statements).
- Late Payment Fee: 2.5% of outstanding or ₹200 (whichever is higher).
- Card Replacement Fee: ₹200.
- Card Cancellation: ₹200 (within six months of activation).
- Surcharge Fee (Fuel Stations): 1% of transaction amount.
- Forex Fee: 3.00% of transaction amount.
📱 Get the App
- Google Play Store: Download MobiKwik
- Apple App Store: Download MobiKwik