Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had used this card previously where i had closed this card now, the services of them has been good. The credit limit with the card was good and it has been having some benefits as well. It also had some annual charges and i had closed the card since i was already having a card with no annual charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • SBI Cards Credit Card
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      SBI has billing issue, they keep on adding more charges on my transaction and also IVR help desk is not reachable all the time. they are not providing call back to the customer to check the service, I am holding this card around three years, overall service should be improved.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 22, 2019
    • SBI Cards Credit Card
      "Recently Purchased credit card"
      0.5 4.0/5 "Great!"
      Recently I applied for this SBI credit card through Executive . I find a good support from that executive by taking care of all the requirements till the delivery of my credit card . SBI provided me a credit limit of more than 50 k and Annual fees is around 500 /- .
      Was this review helpful? 1
      , gulbarga
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Good. Can be more clear in details"
      0.5 3.0/5 "Satisfactory"
      SBI is good in the overall experience for the credit card. They are good in their offers and also in the credit limit. They have good emi options and there are good deals on the e commerce websites. The only thing which is not satisfactory is when I visit big stores like Big Bazaar for example. There are executives of this bank who would offer a credit card. If I am to tell them that I already have one, they would say that I could get a new card with a higher limit. My current limit is 70K and I would get 5 lakhs on the new card. Finally I would get a call from the bank who is willing to give me a new card with a bifurcated limit of 50k, where I would have 25K on each card. I refused as it is not useful to me.
      Was this review helpful? 0
      , kannur
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      It has been three years since i am using this credit card, there is some annual charges of 500 with this card. The credit limit with the card has been less and there has not been any benefits in using this card. I had not been using this card much and just for some purchases has been using.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I got this credit for making my essential needs and is very useful for me.It is best card for doing shopping and there is no annual fee charges as well.I am using this often.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card just for the last six months and the services with them was good so far. I am satisfied with the credit limit with this card and there has also been some better offers with this card on reward points. I am happy with the credit limit with this card as well.
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average performance credit card"
      0.5 3.0/5 "Satisfactory"
      While purchasing this SBI Platinum credit card , i got more vouchers during that time . They sold this credit card without proper information .making the credit call bill payment in SBI is very difficult process . This card is not at all applicable for my usage . I thought of blocking this credit card after that i changed my mind .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank of India. It is a good experience as I can redeem the points with ease. The credit limit is also good and there are no hassles. The statements are clear and sent to me on time. The customer support and response is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Point value is excellent"
      0.5 5.0/5 "Blown Away!"
      I hold a Tata Croma Titanium credit card with State Bank of India. I get good value on the rewards. I get one point on every 100 spent. The value is 1 point is equal to 1 rupee. If I use the card for a lakh I would get 1000 points which is equal to 1000rs.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need improvement on the customer care and banking"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is some what okay because if we want to change the address, we need to fill the form and should submit to the nearest branch, they won't accept online proof. They don't require hard copy all the time, the customer care is not good. I don't have any concern about billing part.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need improvement on the offers and service"
      0.5 3.0/5 "Satisfactory"
      There is no proper response from the SBI, they need to improve the customer support team. I don't think so, they are providing more offers to the customers, I am using this credit card around 8 years, but still I could see more benefits from their end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average "
      0.5 3.0/5 "Satisfactory"
      I had a SBI SIMPLY SAVE credit card and used for past 6 months, there was no annual charges. They have given me a credit limit of 50K which was sufficient to me. I did not convert the payments into EMI but it has option. The charges are reasonable. I do get a notification but have not checked the benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I have been using SBI prime credit card for past 1.5 years. The credit limit is low which am not happy. It would be appreciable if they can increase the limit. Actually I was using SBI Simply Save card and recently upgraded this card and which has annual fee of above 3K, overall unhappy.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need increment in the Credit limit "
      0.5 5.0/5 "Blown Away!"
      I purchased this SBI credit card very recently only . Within 10 days of time I got this card . SBI executive collected the docs in on-line and Annual fees were around 500 /- . But I am not satisfied with the credit limit . Hoping for more offers in On-line purchasing .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need to be more secure"
      0.5 3.5/5 "Pretty good"
      I have not used all the benefits on the credit card with State Bank of India. I very rarely get the offers on the card. The limit is good. The services are very slow. There was a transaction that has happened without my knowledge and I informed the customer care they are working on it but they are slow. It is a Prime card. There is no fee for the 1st year. Second year is free if I use the card for five lakhs a year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good for Online shopping"
      0.5 4.0/5 "Great!"
      SBI charges are very nominal, for the online shoppings they give best discount at Myntra website last time I purchased Clothes I got very good discounts. They gave me the limit of Rs.22,000 it should be increased, I called to increase the limit but they didn't consider.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits has to be improved"
      0.5 5.0/5 "Blown Away!"
      SBI is also good and which has the highest limit compared to my other cards. They need to provide more benefits to the customer. They are charging annual fee of Rs.500. Its a Simply Save card and using it for around 5 years. The customer service is very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this credit card for the last two years where i am satisfied with the services which they had provided to me so far. I am quite happy with the credit limit with this card and there is some offers like reward points and cash backs with this card as well. The card has been having some annual charges as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      I bank with State Bank of India for the credit card. The customer support is good and they are responsive too. The online banking is also good, I can make my payments with ease. There are good deals and the bank has also offered me a good credit limit of 2.25 Lakh.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    Common Loader Icon

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.