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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    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
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have been offered a credit card from State Bank of India as I'm a very long time customer with them. I have been using this State Bank of India Visa Credit card for around 1 year and everything is fine this credit card. I use this credit card for shopping, movies, dining, fuels etc. Cash back and rewards are good. There is no annual fees applied to this credit card.
      Was this review helpful? 0
      , bikaner
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      I hold the Sbi simply save credit card for past 1 year. I use this card for shopping, online purchases, and for bill payments. I am satisfied with the credit limit. There is annual fee of Rs,499 I pay towards this card. I am happy using the SBI simply save card.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The SBI gold credit card has been used by me for more than 4 years. I use this card for shopping, household items, purchases and for bill payments. I am satisfied with the credit limit. There is no annual fee with this card. The rate of interest is high with SBI credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good for shopping offline and online"
      0.5 4.5/5 "Excellent!"
      SBI interest rate was very high, if some time I miss the payment they charge me very high and they have an annual charges around Rs.500 but they give coupons for that same amount. I generally get discount on big bazaar products, even they give upto 10% flat discounts.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "New card, require little more time"
      0.5 4.0/5 "Great!"
      I got SBI Platinum Card couple of months back and found the experience to be decent. Eventhough I have used the card much, I felt the process for taking the card was short and crisp. Generally I have a good impression about the State Bank of India's credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good offers "
      0.5 3.0/5 "Satisfactory"
      I hold a SBI credit card with a limit of 1.30 lakhs I have been using the card for more than two yearsIs a zero fees card.Best cash back offers are given for online shopping up to 5-10%.i got an offer to upgrade my card however am happy with the current limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good services"
      0.5 3.0/5 "Satisfactory"
      The offers on the credit card with State Bank of India is good. There are flexible EMI options as well and there are a lot of deals online where I can select the product and convert to the EMI too. The customer care is good I am able to reach them at times.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Easy to get options and get good bonus points"
      0.5 5.0/5 "Blown Away!"
      Love to use my SBI credit card at online stores. As, I used to get wonderful discounts at all e- commerce sites. In addition to that, I get some reward points too . I get somes discount at Amazon but it varies accordingly. In addition to that, they provide seasonable offer too. Name of the SBI credit card is SIMPLY SAVED credit card.
      Was this review helpful? 0
      , vapi
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      As I hold my salary account with State Bank of India for a very long time which is around 14 years they offered me a credit card which I accepted it and using it now. I have been using this card for the past 1 year only. This card is not very useful to me. There is no annual fee for this credit card. I use this credit card for online shopping.
      Was this review helpful? 0
      , pathankot
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Features are good. But high on charges"
      0.5 4.0/5 "Great!"
      SBI credit card is good and there are a lot of decent deals on it. The card has good benefits and the credit limit is also excellent. I am able to access my card all over. But the interest rate and charges is on the higher side. They could improve on that.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      I am using SBI International master credit card it has some annual fee around Rs.500, to compromise that fee, they are providing some offers but I haven't utilize it. SBI gave me lower credit limit hence I am looking for an enhancement, I am using it around a year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has been excellent in their credit card features. They have vouchers and they also provide flexible EMI options. The credit limit is good and the card is accessible everywhere and it has a lot of offers on various portals.
      Was this review helpful? 0
      , aurangabad
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Charges is decent"
      0.5 4.5/5 "Excellent!"
      I actually applied for IRCTC card, but got the SBI Air India Platinum card. Anyways apart from that I felt the card to be very useful and felt the charges applied is pretty decent. I only wish the Bank to improve a little all over, apart from that I am happy with the overall usage of this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has been really good on the credit card services. They provide reward points and one can redeem it to cash where they can use it to pay the bills or do anything that is useful for them. The response is also good from them, they respond well and quick.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I got my another credit card with State Bank of India apart from my Coral Master credit card with ICICI Bank. Compared to my ICICI Bank Coral credit card my SBI Advantage Platinum credit card has a very good credit limit. There are no annual charges which is applicable on my credit card.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Experience is ok"
      0.5 2.5/5 "Just OK"
      I felt the experience with the State Bank of India to be ok, and found the card to be an alright addition to your finance. The only reason I felt so, was that the charges are a little high and I felt a little disappointed because of it. Compared to other cards I have this is my least preferable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      I hold SBI prime card for last one year with a limit of 63 thousand I don't wish to upgrade my card or reduce the limit am happy with the current limit.standard 5% cash back is given for both offline and online purchase.No technical issues faced so far.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using a STATE BANK OF INDIA credit card, in short I would say that the service offered by SBI was very good. Further, the customer service staffs are excellent in providing service also I use to get good offers from SBI I would say the service of STATE BANK OF INDIA is excellent in all.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good service "
      0.5 5.0/5 "Blown Away!"
      I hold a SBI credit card with a good limit of 1.50 lakhs.I have been using the card for last six months.No hidden or financial charges levied on the customers account,no restriction are given for the purchase at the outlet or online shopping.I get an easy EMI option at a low rate of interest at 14%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I gold the SBI gold and more credit card for past 3years. The customer service is good with SBI credit cad department. I use this card for online shopping, and fro bill payments and for other usages. I am satisfied with the credit limit. There is annual fee of Rs,499 plus charges .
      Was this review helpful? 0
      , greater noida
      Reviewed on Oct 15, 2017
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