Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 0 SBI Advantage Gold Credit Card

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    SBI Advantage Gold Credit Card

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    Overview:

    SBI Advantage Gold Credit Card is a unique secured credit card scheme offered by State Bank of India, which has global acceptance and multifarious uses and privileges. It can be used in any merchant outlet, ATM or for online shopping where Visa/Mastercard is accepted. If you have a fixed deposit with SBI, you can easily get this exclusive credit card.

    Benefits of SBI Advantage Gold Credit Card:

    • SBI Advantage Gold Credit Card is accepted around the globe and makes your purchases and other transactions while abroad, a hassle-free process.
    • Enjoy flexible credit facility on this card. You can customize repayment schedules for your outstanding dues.
    • You can withdraw cash using this credit card, not just in SBI ATMs in India but also in any ATM that accepts Visa/ Mastercard, in India and abroad.
    • You can also book your railway tickets online on irctc.com by using this card. This also contributes to more reward points, surcharge on tickets purchased and discounts if applicable, etc.

    Features of SBI Advantage Gold Credit Card:

    • Quick and easy application procedure for those who have a fixed deposit account with SBI.
    • You can avail 100% cash withdrawal on your SBI Advantage Gold Credit Card. You can withdraw your entire credit limit on the card.
    • Easy accessibility through 10,000 SBI ATMs across the nation and this card can also be used wherever Visa or Mastercard is accepted, around the world.
    • Offers the convenience of add-on cards for your family, including siblings/ children who are above 18 years of age.
    • 50 days of interest free credit period.
    • Extended credit facility is offered at attractively low interest rate.
    • Utility Bill payment facility is enabled on the card and this feature is available to the cardholder absolutely free of cost.
    • Emergency helpline is available around the clock to assist you in case of any unforeseen incidents, not just while you are in India, but also while you are travelling abroad.
    • You can also transfer your balance from any existing credit card at a very nominal rate of interest.
    • Flexipay facility is also available on this credit card, through which you can easily convert your purchases into affordable monthly installments.
    • E-statements and SMS alerts are provided to the cardholders in their registered email id and phone number respectively, through which they can keep track of their transactions.
    • Net Banking facility is also available through which you can manage your credit card transactions, payment, etc.

    Fees and Charges:

    Joining Fee Rs. 299
    Annual FeeRs. 299
    Add-on FeeN/A
    Finance Charges on Extended Credit Upto 2.25% per month
    Free Credit Period for Cash AdvanceNil
    Cash Advance Fees in SBI ATMs /Other Domestic ATMs2.5% of the amount withdrawn or a minimum amount of Rs. 300/- (whichever is highest)
    Cheque PickupRs. 90

    SBI Advantage Gold Credit Card FAQs:

    1. What is the Cash Advance Fees in International ATMs?

      Cash Advance Fees in International ATMs is 3% of the amount withdrawn or 300/-, whichever is highest.

    2. What is the fee levied for late payment?
      Rs.0-Rs.200No charge
      Rs.200 - Rs.500Rs. 100
      Rs.500 - Rs.1000Rs. 200
      Rs.1000 - Rs.10,000Rs.500
      > Rs.10,000Rs. 750
    3. Can my SBI Advantage Gold Credit Card be replaced? If so what is the amount charged?

      Yes, your SBI Advantage Gold Credit Card can be replaced by contacting the customer helpline and placing a request or by placing a request at the nearest SBI branch. The fee charged for credit card replacement is Rs. 100. If you need an emergency card replacement while abroad, you can contact the emergency customer care helpline and the cost of replacement will amount up to at least $175.

    4. What is the surcharge applicable on purchase of railway tickets using this credit card?

      For purchase of a railway ticket at the railway counter, the surcharge applicable is Rs. 30 + 2.5% of transaction amount and if you purchase the railway tickets online from irctc.com, the surcharge applicable is 1.8% of transaction amount with service charge.

    5. What is the order of payment settlement?

      The payment settlement will be made in the following order:

      • Minimum Amount Due
      • Fees and charges
      • Interest Charges
      • Outstanding amount from the Balance Transfer
      • Retail Outstanding
      • Cash Advance.
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  • SBI Advantage Gold Credit Card Reviews

    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last one year of time. The response is also good one and their customer service aspects are really working in good way. Payment mode is also working in good way. Offers are up to the mark with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last one year of time. The response is also good one and their customer service aspects are really working in good way. Payment mode is also working in good way. Offers are up to the mark with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Its very user friendly"
      0.5 4.0/5 "Great!"
      I love SBI notification part, they updates everything on time. For each and every transaction they used give the message and good in reminder call. SBI gives clear information compared than HDFC, and also SBI gives basically reward points its user friendly to redeem their website.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The Credit limit is very high with this SBI gold Credit card. They are also giving very good offers if we use this card. I am having this card for more than 10 years. The customer service is very good with SBI. There is no annual fee for this card and I am happy using this card
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Looking for better service and feature"
      0.5 3.0/5 "Satisfactory"
      SBI people are charging high interest rate compared than AXIS, especially for the EMI conversion. I tried to convert the amount but because of the interest rate I could not continue it. So far SBI didn't give any beneficial offers. Credit limit is also not upto the mark they only gave the amount of Rs.40,000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had the SBI credit card and it was a kind okay type credit card, also they have not provided the enough credit limit to me. I would like to say that the response is fine one with the SBI credit card and their payment modes too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Good one"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is good one and the experience is also good one, also they have provided some sort of policies. I would like to say that the response is not really a good one with them and I have faced some sort of trouble with the SBI credit cards.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Not recommendable "
      0.5 1.0/5 "Really Bad"
      I am not happy with State Bank of India credit card services. I have the same limit from the day I got my card till date. I also use other bank credit cards and the limit is good. But this bank is not enhancing my limit. There are no EMI options too. I would close the card soon.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Good flexi pay option"
      0.5 4.0/5 "Great!"
      I bank with SBI also for a credit card. SBI has a balance transfer option, but I can transfer the payment only to the cards I won. The best is I can make a huge purchase on my card and convert the transaction to the flexi pay option. The rate of interest is also normal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Process is good"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India and I recently received this card. The process for it took around 15 days. I did not have to wait long. There was a joining fee for the card. The credit limit is good but not excellent. In all no hassles.
      Was this review helpful? 0
      , shyamnagar
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Moderate Service"
      0.5 4.0/5 "Great!"
      I am not happy with the bank for the credit card I use because the credit limit is very less. Not only that, SBI offered a chargeable credit card. It would be good if I received a life time free card from the bank. There is no lack in reward points..
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Limit needs to be enhanced"
      0.5 4.0/5 "Great!"
      The balance on my credit card is very low. As , State bank of India has offered me a very low limit of 10K. There is an annual fee of 574 which I had to pay as a joining fee. Everything else is fine on the card but the limit is a low therefore, I am unable to make use of the other transactions.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Having the SBI simply save card for past 3 years. The credit card service is very good with the SBI simply save card. I pay the annual fee of Rs,500. The reward points cash back offers and fuel surcharge waiver is available with this card. I am satisfied with the credit limit,.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Its good experience with SBI bank related to the credit card.They have been giving me a lot of facilities on the card, There is no hidden charges for any transaction. I really happy with my credit card and the limit they have offered me is 1.65 lakhs and they have offered me life time free credit card. I receive normal offers on my credit card
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State bank of India credit card provides good offers in terms of cash back, reward points in redemption as well as the shopping. Am pretty much happy and satisfied with the benefits provided. Overall pretty good experience the credit limit they have offered me is 50000 rupees and i have taken this card in 2014 till now i haven't faced any issues with this card.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I pay the annual fee of Rs.500 every year to SBI Gold platinum credit card. This card has the benefits like reward points cash back offers and other offers in it, I would say it is an average card to use but I am satisfied with their credit limit and happy with their service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "More good"
      0.5 5.0/5 "Blown Away!"
      My credit card is free for the first year the annual fee would be 499 from second year onwards. Credit limit is the one which determines the satisfactory level, in that way, I got very good credit limit from the bank and it is much convenient for my usage. Whenever I use my card for shopping, the bank is prompt in crediting reward points and other cash back offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Good for travellers"
      0.5 4.0/5 "Great!"
      I have taken IRCTC credit card from SBI, because I keep traveling. I am always getting discount on train tickets. Their offered me good credit limit its good and satisfactory. When I was working with previously company they gave 50,000 to 60,000 it was sufficient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Looking for a better offers"
      0.5 2.5/5 "Just OK"
      SBI is okay but they are not as good as AXIS Bank in term of credit card. I have been using the card around two years, so far they didn't increase the credit limit. I am getting Online shopping offers in Amazon and flipkart its nominal, I am fine with that.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Beneficial services"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and the bank provides me good offers. They send me regular alerts about the ongoing offers and the bank has given me a good credit limit too. There is a annual fee of 500 and the statements are on time with clear details.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
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