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The Cargills Bank Gold Credit Card is tailored for first-time credit card users and those who prioritise their financial spending.
Enjoy exclusive deals and great value year-round, available only for Cargills Bank Gold Credit Cardholders.
Now You can transfer Other bank existing card balance(s) to a Cargills Bank credit card and repay it off by equal monthly instalments up to 48 months under lower interest rate.
Customize your Gold Credit Card with an image of your choice, adding a personal touch to your financial experience.
Image card application : Cargills Bank Image Card Application
Image card guidelines : Cargills Bank Image Card Guidelines
Image card FAQs : Cargills Bank Image Card FAQs
View sample image card: Sample Image Card
| Type Of Fee | Gold |
| Primary Card Annual Fee | Rs. 2,500/- |
| Joining Fee | FOC |
| Supplementary Annual Fee | Rs. 1,500/- |
| Supplementary Joining Fee | FOC |
| Interest Rate (p.a) % | 26% (w.e.f. 1st Sept 2024) |
| Interest Free Period | 55 Days Max |
| Minimum Payment | 4% x Total Outstanding* |
| Over Limit Fee | Rs. 1,500/- |
| Late Payment Fee | Rs. 1,600/- |
| Cash Advance Limit | 50% x Limit |
| Cash Advance Fee | Rs. 400/- + 5% on Face value |
| Limit Enhancement Fee Temporary or Permanent | Rs. 1,100/- |
| Card Replacement Fee | Rs. 1,200/- |
| PIN Replacement | Rs. 200/- |
| Per Statement copy | Rs. 250/- |
| Digital Statement Copy | FOC |
| Cheque Return | Rs. 900/- |
| Tax/Visa/Limit/Interest Confirmation Letters or any Credit Card Related Letters | Rs. 750/- |
| Overseas Courier Fee | Rs. 4,000/- |
| Travel Insurance | N/A |
| Image Card service fee-Own Images | Rs. 1,000/- |
| Image Card service fee-Gallery Images | Rs.500/- |
| Image Replacement fee(Additionally Card replacement fees applicable) | Rs. 1,000/- |
| SMS Alert Fee (Annually) | Rs.300/- |
| Fuel Surcharge fee | 1% of the transaction value is applicable for fuel transactions |
| Type of Fee | Fee |
| Overseas Transactions | All overseas Credit & Debit card transactions will be converted using Bank Treasury selling rate. In order to mitigate the local exchange rate movements, an additional amount (4%) will be included to the rate at the time of billing from 03rd of October 2022 |
Discover the documents needed to apply for the Gold Credit Card, ensuring a smooth application process.
a) If Salaried;
b) If Self-employed;
Credit-Card-Terms-and-Conditions
*Credit Card settlements carried out via Mobile Banking / Internet Banking should be done prior 6.00 PM on the due date to avoid any settlement delays.
* The following geographies are currently subjected to comprehensive U.S. sanctions. Mastercard has no offices, subsidiaries, or affiliated entities, nor does Mastercard license any customers to issue or to acquire transactions from either point-of-sale (POS) or ATM locations, in these regions and countries:
Take the first step towards financial freedom by applying for the Cargills Bank Gold Credit Card today.
