Mahindra Synchrony Credit Card

Synchrony Pending

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2

Benefits

0

Reward Categories

—

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: mahindra-credit-card

Issuer: Synchrony

Card Name: Mahindra Synchrony Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 05:51

Last Scraped: Feb 17, 2026 05:53

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA), offering a 6% interest rate cap on eligible accounts opened before active duty.

Rewards Program (Detailed)
No Reward Data Available

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Rewards Summary
PENDING
Benefits & Protections (Detailed) 2 Total
PENDING
Cost Savings 1
No Annual Fee
No annual fee

There is no annual fee charged for maintaining the Mahindra USA Credit Card account.

Financing 1
Special Financing Offers
Varies by offer

Cardholders can access special promotional financing offers on eligible purchases made at participating Mahindra USA dealers.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

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Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 12 months

⚠️ No interest if paid in full within 12 months on purchases of $1,500 or more with your Mahindra credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
Not specified
Not specified
Not specified
Application Process
Not specified
Not specified
Not specified
Issuer Rules & Policies
PENDING

Rules: For 2026, the Mahindra Credit Card (issued by Synchrony in the USA) is projected to target applicants with good to excellent credit scores (typically 670+ FICO). Eligibility requires applicants to be a US resident, 18 years or older, with a valid Social Security Number or ITIN. Application approval is subject to Synchrony's credit underwriting standards, which evaluate credit history, income, and existing credit relationships. The card is expected to offer a spend-based welcome bonus (e.g., a statement credit or bonus points after meeting a specific spending threshold on Mahindra purchases within the initial months) or special promotional financing offers on qualifying Mahindra purchases.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, rapid accumulation of Synchrony accounts, high cumulative credit limit across Synchrony cards relative to income, abuse of promotional financing terms, suspicious spending patterns inconsistent with typical card use, or frequent balance transfers without repayment.

Cliff Effect Rules: Synchrony generally does not have traditional 'card family' cliff effects where holding one card prevents eligibility for another. However, they do enforce an internal cumulative credit limit across all Synchrony-issued accounts for a single customer. Reaching this internal limit may prevent approval for new Synchrony cards, regardless of individual card eligibility.

Special Events: Expected to include special financing offers (e.g., 0% APR for X months) on qualifying Mahindra purchases, bonus rewards during specific Mahindra sales events, or exclusive cardholder discounts tied to Mahindra promotions.

Holiday Promos: Likely to feature enhanced promotional financing or bonus rewards during major retail holidays such as Black Friday, Cyber Monday, End-of-Year sales, and potentially seasonal Mahindra-specific promotions.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Easy financing for Mahindra purchases, good promotional offers and deferred interest options.

Top Negative:
High regular APR, limited use outside Mahindra dealerships, occasional customer service issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Discover it® Secured Credit Card
  • Chase Freedom Unlimited®
  • Capital One QuicksilverOne Cash Rewards Credit Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $75.00

Approval Probability: 75.0%

Version Control
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