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  • Federal Bank SBI Gold and More Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Federal Bank SBI Gold and More Credit Card

    Enter a world, where life is simpler, smarter and a lot more rewarding with the Federal Bank SBI Gold and More credit card. With this card, customers can avail fantastic benefits and features while ensuring that spending becomes simpler while saving simultaneously. In addition to the above, customers can also avail the advantages that come with rewarding offers such as the Shop & Smile Program. Read on to know all about the Gold and More credit card.

    One of the foremost banks in the country, Federal Bank is commercial bank in the private sector that has its headquarters in Kochi, Kerala. It was established in the year 1945 in Kochi and has over 1200 branches across the country. A number of products and services are offered as part of its retail banking portfolio such as, credit cards, debit cards and loans.

    Benefits of Federal Bank SBI Gold and More Card

    The benefits and privileges associated with this credit card are as follows -

    Offer of Extravaganza

    When customers spend Rs.2000 or more within 2 months (60 days) of receiving their credit card, they will receive 2000 bonus Reward points. These points can be exchanged for a host of wonderful offers and benefits.

    Value Back

    Individuals can receive a value back of up to 2.5% as they receive 10 times Reward points for every Rs.100 they spend, at Grocery and departmental stores. Also, on other spends, individuals can earn 1 Reward point for every Rs.100 that they spend and 4 Reward points equal Re.1.

    No Fuel Surcharge

    Individuals can enjoy the freedom from paying a fuel surcharge of 2.5% at all petrol pumps, when they use the Federal Bank SBI Gold and More credit card. In order to avail this offer, they will have to spend between Rs.500 to Rs.3000 at any petrol pump in the country.

    Reversal Based on Spend

    Individuals can procure a reversal on the annual membership free from the 2nd year of their credit card subscription. In order to avail this offer, they will have to spend over Rs.75,000 from their Federal Bank SBI Gold and More credit card.

    Features of Federal Bank SBI Gold and More Card

    The Federal Bank SBI Gold and More credit card comes with a plethora of exciting features, which are listed below -

    Reward Points

    Every time customers spend Rs.100 on their Federal Bank SBI Gold and More credit card, will earn 1 Reward Point. These points can be used to pay outstanding balance as well as redeemed against a wide range of gifts available in the Rewards Catalogue.

    Welcome Offer

    Customers receive Rs.100 cash back on their very first cash withdrawal from the ATM, as long as this is done within a month (30 days) of availing their credit card.

    Acceptance Worldwide

    Federal Bank SBI Gold and More credit card is accepted in more than 24 million outlets throughout the world, including over 3 lakh outlets within India itself. This card can also be utilized to make payments at outlets that accept MasterCard or Visa.

    Supplementary Cards

    Individuals can empower their family with supplementary cards for their spouse, children, parents or siblings, who are above the age of 18. Limits can also be set on these add-on cards so as to prevent overuse of these cards.

    Cash on the Go

    Customers can withdraw cash using their Federal Bank SBI Gold and More credit card, from more than 1 million Visa ATMs, throughout the world.

    Payment Facility for Utility Bills

    Customers can pay telephone, electricity, mobile and other bills using the Easy Bill Pay facility on their Federal Bank SBI Gold and More Card.

    Railway Tickets Online Booking

    Individuals can book their railway tickets online and also receive it delivered to them. All they’ll have to do is to go to the official website and register and follow the instructions. At the payment gateway, they will have to pay for their ticket by using their Federal Bank SBI Gold and More credit card.

    Balance Transfer through EMI

    Customers can save money when they pay their dues by transferring the outstanding balance on their other credit cards to their Federal Bank SBI Gold and More credit card. By doing so, they can procure a lower interest rate and pay back in EMIs. Applicants will have to visit SBI’s website to avail this.

    Easy Money

    Through this facility, applicants get a cheque or draft against their cash limit and receive it on their doorstep.

    Flexipay

    With this feature, individuals can convert all their transactions into easy installments that can be paid monthly. They will have to shop for Rs.2,500 or more using their Gold and More credit card from Federal Bank and SBI and log on to SBI’s website within a month of the purchase to convert in to Flexipay.

    SBI Card Drop Box Locator

    Individuals can locate the SBI card drop box that is closest to them, by following some simple steps. They will have to type ‘PIN’ and their pin code and send it to 56767.

    Eligibility for Federal Bank SBI Gold and More Card

    The eligibility for procuring a Federal Bank SBI Gold and More Credit Card is decided based on the applicant’s income and employment, among other factors.

    Documentation Required for Federal Bank SBI Gold and More Card

    1. PAN card
    2. ID proof (Any one) -
      • Passport
      • Driving License
      • UID Aadhaar No.
      • Voter’s ID

    Fees and Charges

    A one time Joining Fee Rs. 499. Customers also receive Rs. 500 worth Reward Points which are 2000 in number on their first spend which in turn makes the card free for the first year. Additional terms and conditions apply. Annual Fee Rs. 499. If annual purchases amount to more than Rs. 75000 then customers receive a waiver on their annual membership fee for the following year.
    Add-on Fee per annum Nil
    Extended credit - Interest Free Period The interest free period is 20 - 50 days and is applicable on retails spends, only if the outstanding balance amount from the previous month is paid completely
    Extended credit - Finance Charges Up to 40.2% per annum or 3.35% per month, from the date of transaction
    Extended credit - Minimum Amount Due A minimum of Rs. 200 or 5% of the Total amount outstanding, along with GST and in case of loans, including EMI
    Cash Advance Limit A maximum of 80% of the credit limit. For Gold Card users, up to Rs. 12000 per day and for Platinum or Signature Card users, up to Rs. 15000.
    Cash Advance - Free Credit Period Nil
    Cash Advance - Finance Charges A maximum of 3.35% per month or 40.2% per annum from the date of transaction.
    Cash Advance Fees - State Bank of India ATMs and other Domestic ATMs Rs. 300 or 2.5% of the amount withdrawn, for each transaction
    International ATMs Rs. 300 or 3% of the the amount withdrawn, for every transaction
    Cheque Pickup Rs. 90
    Statement Retrieval If over 2 months, then Rs. 100 for each statement
    Chargeslip Request For each chargeslip, Rs. 225 is charged
    Overlimit A minimum of Rs. 500 or 2.5% of the overlimit amount
    Rewards Redemption Fee Rs 99
    Cash OTC fee Rs. 100
    Replacing the card Rs. 100
    Surcharge - Railway Ticket at the counter Rs. 30 plus 2.5% of the transaction amount

    *GST rate of 18% applicable for all financial services effective July 1, 2017

    Credit Card Reviews

    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for long time, there service is not up to the mark, they have charged me annual fee in this card, and there is no waived off option available in this card, they have not given much credit limit, offers is not good.
      Was this review helpful? 1
      , lucknow
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Poor service"
      0.5 1.0/5 "Really Bad"
      I have been holding SBI credit card for long time, there service is not up o the mark, there customer service does not co-ordinate with me well and without my knowledge they have deducted and i asked for what reason they have deducted even customer service team donâ??t have proper knowledge about that and they have charged me annual fee up to 500 and there is no waived off option available in this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , i am holding this card for past 2 year . They offered SBI VISA Credit card . They also offered me a fair limit. Their customer support is also good. I make payments online which is convenient for me and never had any issues with their services.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Response should be improved"
      0.5 3.0/5 "Satisfactory"
      The credit limit is good, I have been holding FBB style up card it has annual card, I get the benefits on cash back 10% on big bazaar , the interest rate quite higher side compared to other card. I wont recommend this card, they need some improvement, when I call for any difficulties they wont respond.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Very Useful card"
      0.5 3.0/5 "Satisfactory"
      There is a annual fee of Rs. 450+Tax every year for my SBI card and it will not get waived off. They have offered me a credit limit of Rs. 50000 and I'm not satisfied with it. I have interacted with the call centre people to enhance the credit limit and they have asked me to submit the documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , The best part of SBI credit card is if i do not have saving account of this SBI then too i can use mobile banking for payment. I am holding this card for past 2.5 years . They offered SBI IRCTC credit card . I use this card for multipurpose .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI , they offered SBI FBB Credit card . They offered 19000 o credit limit which is very low i was expecting something more . The card is chargeable but they gave waive off option also . Service and process was too smooth and hassle free .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI , the card is chargeable but if i spent 100000 they will give waive off option . I ma holding this card for past 1 year . They offered SBI METRO credit card . They offered 47000 of credit limit with this card . Benefits were good reward point and cash back .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have been using this card for a while and i am happy with the services which they had provided so far. The credit limit with the card was good and there has been some good offers available with this card as well. There has been an annual charges with this card which will get waived off as per the usage which i am making.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am very much satisfied with their service as they have given good credit limit and happy with it . I have done lot of transaction. There is no annual charges as its life time free card . There is no additional charges for the transaction which i make. There is additional charges for the petrol surcharges . But they haven't increased the credit limit after requesting also.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been using sbi card for last 10 years , where they are giving good service for the credit card Am holding sbi credit card for last 10 years As am satisfied with my credit limit which they have offered . There is no annual charges its life time free card and there is no additional charges for transaction which i make through credit card . Am getting offers in shopping Their Customer service and response is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      I bank with State Bank of India for the credit card. The bank is not up to the mark, as they need to work on the offers and the credit limit is also satisfactory. They also need to work on the customer services and response. In all they are not recommendable.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Frequent calls should be avoided to sell the products"
      0.5 3.0/5 "Satisfactory"
      SBI bank gave me the credit card limit of Rs.1,70,000, the process is very faster only thing they keep on calling to sell other products like insurance etc. I suggest those frequent calls should be avoided. I wont recommend in that aspect and i am completely dissatisfied.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I had been using this card for a while and the services has been good. The credit limit with the card has been good and there has been some good benefits which comes with this card as well. There has not been any annual charges with this card but there has been some other charges with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card, the credit limit is good. I have not used the offers yet, but generally I use my credit card for the shoppings, billing, dinning, petrol filling. The reward points is good even the points value is great I could covert the points into voucher.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this Card for the last one and a half yeas and the services which they had been providing so far has been good. The credit limit which they had given with this card has been sufficient and there is some annual charges with this card as well. I am using this card for all sort of purposes.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using this card for a while and the services which they had been providing so far has been good. They had given me with a good credit limit of 55,000 and there is an annual charges of 500 with this card as well. I had been using this card for all sort of purposes.
      Was this review helpful? 0
      , bhiwadi
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      MY credit card was taken with SBI , they offered very low credit limit it is just 25000 i am expecting more limit here . The card is chargeable but they said they will gave waive off option if i cross particular transaction . Here payment method is easy and benefits is also good .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this card for the last one year and the services which they had been providing so far had been good. I am using this card for all sort of shopping and all other purchases, they had also given me with a good credit limit. There has been waver off for the annual fee.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 06, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this card for the last one year and the services which they had been providing so far had been good. They had given me with a good credit limit and there has been some good benefits and offers on the online portals with this card. There is an annual fee with this card which will get waved off if we are using a certain limit.
      Was this review helpful? 1
      , noida
      Reviewed on Dec 06, 2018
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