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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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    SBI Advantage Gold Credit Card

    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.

    SBI Advantage Gold Credit Card Reviews

    • SBI Cards Credit Card
      "Need to work on all aspects"
      0.5 2.0/5 "Expected more"
      Recently I closed the SBI, its not that much great everything is lacking in the bank even on the credit cards. They need work on customer support and offers to the customers. They do have annual fee but if I spend more than 40,000 and the charges gets waived based on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • SBI Cards Credit Card
      "Good for cash back "
      0.5 4.0/5 "Great!"
      SBI charging 36% of percentage for the late payment, I normally pay the amount on time but I heard the interest rate is huge. I got offers in amazon upto 10% on purchasing mobile and I have converted the amount into emi . There is no processing fee.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Dec 13, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a simply save credit card with SBI from last 4-5 years, there was no annual fee charged for this credit card. I am getting good reward points on this credit card and it is useful. I am satisfied with the credit limit provided by SBI credit card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 13, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card for a while, there service is excellent , they have charge me an annual fee in this card , they have charged me annual fee and it has been waived off and i am happy with my credit limit, and i use this bank card for multi purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have been holding my saving and salary account with State bank of India, there service is not up to date, and the mobile application is not good, i face many issue with there application, and even in website there is showing error , i have not visited branch service so i have no idea about that, i am not satisfied with there service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using SBI bank credit card long time, they have charged annual fee for this card, and i am happy with my credit limit they have given sufficient as per my expectation, and customer service team was good and they give good offers in shopping .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Am holding sbi credit card for last quiet years As am satisfied with my credit of limit . There are annual charges for the card of rs 500and there are no additional charges for transaction which i make through credit card .i got cash back offer Their Customer service and response is also good.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Limit could have been More"
      0.5 3.0/5 "Satisfactory"
      I hold a SBI credit card and the limit given is not that good. I have got a less limit where i cannot buy few stuffs. There is an annual charges here but it gets waived off. It would be great if SBI increases the limit and i am using this SBI Credit card for a very long time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using sbi card , where the customer service is too good interns of response and service . I have been using their mobile application . There are no annual charges for the card as its life time free card. I got best cash back offers . Overall am satisfied with the card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using sbi credit card for last few years 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 annual charges for the card of Rs 499 . There is no additional charges for the transaction which i make.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      State bank of India giving good service for credit card . I have chosen this card based on the offers and suggestion . There are annual charges for card of rs 499 which gets waived off after using certain limit . Am satisfied with the customer service and response. Overall its an average card to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      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 are no annual charges as its life time free card . There are no additional charges for the transaction which i make. There are some good reward points and offers which is provided on this credit card,
      Was this review helpful? 0
      , faridabad
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a SBI credit card and the card which i have is 6 years old Card. I am using since 2014,. And the Services which i am experiencing till date is very much satisfactory. I get messages and Statements on time. Never had OTPs issues. And as i am using since long they do ask my interest to increase limit on my card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been started using the SBI credit card for more than 2 years. The card which i purchased during my college days hence they have given me a lowest credit limit of 20 K which is not sufficient for me. There are no yearly charges for this card as of now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using the SBI credit card for almost 1 year. They have offered me a credit limit of Rs. 80000 and I'm happy about that. I have to make the payment after 50 days of purchase. They will not charge anything as a annual fee. There is no offers provided by this credit card. I never interacted with their call centre people. They used to send offer messages on a regular basis.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I hold a SBI Credit card and i also hold other ban credit cards, but among them if i have rate any card the best, i will rate SBI credit card. The reason behind is the limit given to me on my card. It is very much sufficient and it take cares of most of the things.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      Since 1 year i'm using the SBI credit card and they have given me a credit limit of Rs. 30K however there is a 499 yearly fee anyway it will get waived. There is a offer on flipkart and amazon on big festival days. I spoke with the SBI customer care for the payment and the response was good.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      SBI customer support is lacking, they have toll free number but taking long time more than 10 minutes to reach the executive, After connecting the response is good, I suggest them to improve the IVR options, even the offers are not upto the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • SBI Cards Credit Card
      "Good for Big Bazaar"
      0.5 4.0/5 "Great!"
      In Big bazaar I get discounts on my shopping because I have been using FBB card, its convenient to use anywhere even the card accessibility is good. There is no yearly fee, upto two years, even the customer service is good for the credit card queries.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 11, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for long time, the best thing in this card is that i can convert my EMI option they use to send me link and i can convert it quickly without any issue and they have charged me annual fee which is very high they have charged me up to 3,000 as annual fee , but there is waived off option available that too high they said if i spend up to 3,00,000 in an year then my annual fee will get waived off, and i am happy with my credit limit.
      Was this review helpful? 0
      , indore
      Reviewed on Dec 11, 2018
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