MoneyMust Product Factsheet
Generated on 10/25/2026
Verified Financial Information
www.moneymust.in
Stashfin Credit Line Card
Offered by SBM Bank India
The Verdict
A solid card option from SBM Bank India, offering competitive value for its target segment.
Stashfin Credit Line Card
MoneyMust Intelligence Score
Scored across value, trust, transparency, popularity and risk using 24+ verified data points.
See full breakdownJoining Fee
FREE
Annual Fee
FREE
Reward Rate
0.5% - 1.0%
Interest Rate
3.5% p.m.
Forex Markup
3.5000000000000004%
Min. Income
₹25 K
Calculated using 24+ data points including fees, settlement ratios, and user sentiment.
Intelligence Engine
Trust & Stability
Verified institutional stability. SBM Bank India maintains a high Tier-1 capital ratio and positive regulatory track record.
Value Efficiency
Calculated return-on-fees ratio is in the top 15% of the cards category. Optimized for spenders.
Research Summary
This card is most often researched by individuals with an income above ₹25 K/mo who prioritize rewards. Research pointer: compare this with 2-3 alternatives in the same category to understand the cost-benefit trade-offs yourself.
Key Benefits & Features
Instant revolving credit line card with 0% interest cash withdrawals (limited periods)
Reward Value Estimator
Annual Spend
₹1,00,000
Estimated Value
~₹₹500
Based on standard spends. Higher value possible with category accelerators (Fuel, Dining, Travel).
Pros
- Competitive Offering
Cons
- Annual Fee applicable
Detailed Eligibility & Criteria
Criterion 1
Age: 21 - 60 years
Criterion 2
Employment: Salaried or Self-Employed
Criterion 3
Minimum Income: ₹25,000 per month
Criterion 4
Credit Score: 700+ preferred
Criterion 5
Resident Status: Resident Indian
Required Documents
Important Exclusions
Fees & Finance Charges
| Particulars | Charge Amount |
|---|---|
| Joining Fee | NIL |
| Annual Fee | NIL |
| Interest (Finance Charges) | 3.5% per month (42% p.a.) |
| Cash Advance Fee | 2.5% (Min. ₹500) |
| Forex Markup | 3.5000000000000004% |
| Network | Visa Platinum |
Fees and charges are subject to revision by the institution. GST at 18% is applicable on all fees and interest components as per Govt. norms.Source: Verified by MoneyMust Research Team from official bank product disclosures (Aug 2026).
Educational Disclaimer
This page is intended for informational and educational purposes only. It is not financial, investment, insurance, legal or tax advice, and it is not an offer or solicitation to buy any product. MoneyMust is an independent research platform and is not an adviser, broker, distributor or agent. Verify current terms with the institution and consult a qualified professional before making a decision.
User Reviews & Experiences
Frequently asked questions about Stashfin Credit Line Card
What does Stashfin Credit Line Card cost?
The listed annual fee is ₹0. Check the fee breakdown above and the provider's official schedule of charges before applying.
Who is Stashfin Credit Line Card suitable for?
Digital Credit / FinTech
Who offers Stashfin Credit Line Card?
Stashfin Credit Line Card is offered by SBM Bank India. MoneyMust is an independent research platform and does not sell or underwrite this product.
How should I compare Stashfin Credit Line Card with alternatives?
Look at total cost, eligibility, key benefits and exclusions side by side. Use the comparison tool and the same-category alternatives listed on this page for a like-for-like view.