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Mastercard Gold
is in your hands
011 7 640 640

We offer you
  • Quick and easy  shopping with Contactless Payment technology
  • EMV compliant Chip and PIN technology for greater security
  • Up to 55 days of credit period
  • Enjoy the lowest Interest Rate of 20% p.a (1.6% p.m)
  • Attractive discounts & offers around the year with Cargills Bank Credit Cards
  • Worldwide ATM cash advances through Mastercard ATM network
  • Free Mobile & Internet Banking access
  • Free Transaction SMS alerts on your mobile
Tariff Guide
Type of Fee Gold
Minimum Credit Limit Rs 10,000/-
Interest Rate (p.a) 20.00%
Balance transfer fee 15% Upwards
Primary Card Annual Fee Rs 1,000/-
Joining Fee Rs 500/-
Supplementary Annual Fee Rs 500/-
Supplementary Joining Fee Free
Interest Free Period 55 Days Max
Minimum Payment 5% x Total Outstanding*
Cash Advance Limit 35% x Limit
Over Limit Fee Rs 750/-
Late Payment Fee Rs 750/-
Cash Advance Fee Rs 200/- or 3% whichever is higher
Limit Enhancement Fee Rs 750/-
Card Replacement Rs 500/-
PIN Replacement Rs 100/-
Per Statement Copy (Except Last Statement) Rs 150/-
Cheque Return Rs 900/-
Tax/Visa/ Limit / Interest Confirmation Letter Rs 250/-
0% Instalment plan handling fee Rs 250/-
Overseas Courier Fees Rs 2500/-
Terms and Conditions

Credit Card – Terms and Conditions


*Credit Card settlements carried out via Mobile Banking / Internet Banking should be done prior 5.00 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:

  • Crimea
  • Iran
  • North Korea
  • Syria
  • Sudan
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