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  • Federal Bank SBI Gold and More Credit Card

    Fees & Charges

    Promised Interest Rate

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    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
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved with SBI cards and the experience was good. I received my credit card within one week, i have a credit limit of Rs 50000 which is sufficient for me. There is no annual fee for this credit card. Customer service was good, documents were collected door step. I did not find any offers in this credit card till date and i use this credit card for general purpose.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I just got the SBI simply save credit card around 1o days ago from State bank of India. I have used the this card for shopping , bill payments and for other usages. I am not satisfied with the credit limit, still they need to increase the credit limit.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have my credit card approved with SBI cads and the experience was quite good. I received my credit card within 15-16 days. Documents were collected door step and the customer service was good. I have a credit limit of Rs 40000 and an annual fee of Rs 499 has to be paid every year for this credit card. I got a welcome gift voucher of Rs 500 for Bigbazaar. I also get reward points on online purchase.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 2.0/5 "Expected more"
      My credit card application was approved with SBI cards and the experience was good. The process was very smooth and i received my credit card within 1 week. Customer service was average and documents were collected door step. I have a credit limit of Rs 1.5 lakhs and the cash limit of 40k+. I get offers like 5X reward points for every 100 rs on online purchase and 1x reward points on offline purchase. I use this credit card for multiple purpose.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Should be customer friendly"
      0.5 2.0/5 "Expected more"
      I have taken credit card with state bank of India,the limit on the card is 2.28 lakhs its sufficient to purchase with the card,The card has an annual fees to hold this card .The service is not good they need to improve a lot should be customer friendly.Net banking is good convenient to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      It was a good experience with SBI cards, the process was quite smooth and it took 10 days for me to receive the credit card. I have a credit limit of Rs 50000 which is less when compared to other banks. Documents were collected door step and the customer service was good. I do not get any alerts on offers in this credit card. An annual fee of Rs 499 has to be paid every year for this credit card and i use this credit card for general purpose.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The grace time is given in the SBI credit card services , if we fail to do the payment on time. The customer support is good with the SBI and I have the SBI Advantage credit card for past 5 years. I use this card for shopping, daily expenses and for other bill payments.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      My credit card application was approved with SBI cards and the experience was quite good. The process was very smooth and the credit card was delivered within 10 days. I have a credit limit of Rs 46000 which is sufficient. I paid an annual fee of Rs 499 for this credit card which has to be paid every year. Customer service was good and documents were collected door step. I get SMS alerts for any offers in this credit card. I use this credit card for petrol and it is a good card to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank of India.The limit on the card is sufficient to transact.The card is applicable for all kind of transactions.Net banking is user friendly and Mobile App is good.The phone banking service is prompt.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have applied for the credit card through online portal, my credit card application was approved with SBI cards and my experience was good. I received my credit card within 3-4 days and i have a credit limit of Rs 46000 which is sufficient but i expected more. There is no annual fee for this credit card. I get offers on Student travel on yatra.com as up to 40% off on tickets. I use this credit card for petrol and shopping. Customer service was good and documents were collected from my door step.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved with SBI cards and the experience was good. I received my credit card within a week. I have a credit limit of Rs 50000 and cash limit of Rs 10000. There is no annual fee for this credit card. I get offers like reward points on shopping. Customer service was good and documents were collected door step.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.5/5 "Excellent!"
      My credit card application was approved with SBI cards and the experience was quite good. I received my credit card within 10 days and the process was smooth. I have a credit limit of Rs 47000 which is less when compared to other credit cards. An annual fee of Rs 499 has to be paid every year for this credit card. I am not aware of any offers in this credit card and i use this credit card for general purpose. Customer service was good and they responded on time.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have applied for the credit card through online portal, my credit card application was approved with SBI cards and the experience was good. The process was quite smooth and it took one week to receive the credit card. I have a credit limit of Rs 50000 which is sufficient enough. I paid an annual fee of Rs 499 which has to be paid every year for this credit card. I am not aware of any offers in this credit card and i use this credit card for general purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      My credit card application was approved with SBI Cards and the experience was quite good. I received my credit card within one week and the process was smooth. An annual fee of Rs 499 has to be paid every year for this credit card. I did not get any offers in this credit card. I use this credit card for general purpose and the credit limit is less when compared to other banks.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      It was quite a good experience with SBI cards and i received my credit card within 10 days. The process was quite smooth, documents were collected door step. I got Amazon and Provogue gift voucher as a welcome gift. An annual fee of Rs 2999 is a one time fee and this fee will be waived off based on the number of transactions done. I use this credit card for multiple purpose and the credit limit is sufficient.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The State bank of India mobile application is very convenient and user friendly to use the SBI simply save credit card. I have this card for more than 2 months. The customer support is good with the SBI credit card department. I am satisfied with the credit limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Better banking"
      0.5 5.0/5 "Blown Away!"
      I am holding a SBI credit card with a credit limit of 50,000.I frequently use my card,it has a various benefits for redemption and earning points for every purchase.I pay an annual fees of 500 to hold this card.The statements are sent to me on time on my billing cycle.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The charges are high with the state bank of India. The customer support is average with the state bank of India. It takes too much of time to reach the State bank of India customer care executive. I am satisfied with the credit limit. I pay the annual fee of Rs,499 , it will get waived off when I use this card up to Rs,90,000
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Credit limit value is okay one with the SBI credit card and the response is also fine one for me. I would like to say that there are some offers from them , also I have not received it till now. I am happy with the SBI credit card.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 11, 2017
    • SBI Cards Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      Customer service and everything is good one with the State Bank of India credit card and there are no issues with them till now. I am happy with the SBI credit card and everything is good one with the SBI credit card.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 11, 2017
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