•  Loading your search... Loading your search...
  • 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
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the SBI SimplyCLick Credit card for a while. It offers More points when compared to I got 5000 reward points. EMI Option is also there. I can easily convert the purchases into Monthly installments with out any hassle. Overall it is a useful card to have.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      It took too much days to take get my credit card it took 25-30days nearly a month. I am getting no offers in my credit card. I am getting the reward points or not i have not checked for that. It is a annual payment card. I have got the joining perks at the beginning.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Customer service is good one and the response is fine one too. I am really happy with them till now.There are no issues with the State bank of India credit card . I have not faced any such issues with them as such.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Wonderful"
      0.5 3.0/5 "Satisfactory"
      I would like to say that the SBI elite credit card is good because of the worth of reward points. I am really happy with them till now, also everything is good one with the SBI elite credit card. There are no issues with the SBI ELITE Credit card...
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I had the State Bank of India prime credit card , also am not using it because the limit is very lesser one for me with them, also there are some issues with the State Bank of India prime credit card. I dont have any issues with them till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I am having the SBI credit card and the customer service is good one too. I would like to say that the response is better one too. I am happy with them till now, also am really happy with the SBI credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card and am using it from the last one year of time. Customer service is good one and the online portal is also better too. I would like to say that the credit limit value is good too. I have not faced any such issues .
      Was this review helpful? 0
      , greater noida
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Customer service is good one with the State Bank of India credit card and the response is very good. Credit limit value is also okay for me with them like I have expected it should be around 1 lakh Rupees and everything is better one with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      Customer service is good one with the State Bank of India credit card and the response is fine one too. I am really happy with them and the credit limit value is nice too with the State bank of India credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      Customer service with the State Bank of India credit card is good one and the response is okay. Credit limit value is also not bad. I am happy with the State Bank of India credit card. I am happy with them and I dont have any issues with them till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Services"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for couple of months. I used to receive lots of offers by using this card. Most i will use this card in most of the outlets. They have offered me a very good credit limit. I'm happy about their customer care services. Totally its a hassle free services from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have got a SBI credit card, the limit I have on the card is Rs. 3,00,000 the services of the card is good, the features and benefits of this card is OK. The annual fees of the credit card is Rs. 499, over all it is satisfactory there is no issues with the credit card.
      Was this review helpful? 0
      , delhi
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Holding my sbi credit card for last 1 year . Their customer service and response is good. As am satisfied with the credit limit of Rs 3 lakhs which they have provided There are no annual charges for the first 4 years . There are no additional charges for the transaction which i make.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      One of my friend had been holding this card and i had a word with him and he had suggested me this card and the process in getting the card also had been very good as well. The card has reached on time and the credit limit with the card has been satisfactory. There is good benefits with the card and i am not sure about the offers with the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Platinum credit card for a while. The limit is high, there are no commendable offers. Their rate of interest is pretty much higher and they charge 500 annually. Overall it has been a smooth experience with them so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Started using this SBI credit card for more than 2 years. I used to get a voucher for Amazon against the rewards points. They have provided me a credit limit of Rs. 50 K. The customer service is fine. Its taking minimal time to contact the customer care.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI IRCTC Platinum Credit card for a while. It is good a experience, cash back offers. There are no service charges if the ticket is booked via the IRCTC platform. This is a useful card if you're a frequent traveler. Overall it has been a good experience with the card and their services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Simply Save card for a while. It is good a experience, it has got cash back offers. This is just like any other ordinary credit cards you can find in the market. Overall it has been a smooth experience but they need to provide more offers and facilities for their customers.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding the card for the last five months and the credit limit with the card has been satisfactory. There has also been good features and benefits with the card like reward points and cash back offers as well. I had been using the card for shopping and all other purchases as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Card with low limit"
      0.5 3.0/5 "Satisfactory"
      I've been using the SBI SimplyClick credit card for the past 8 Months. The experience is good. I also have a salaried savings account with the SBI. Overall it has been a good experience but they offered me a very low limit. They need to improve the limit of their customers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2018
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.