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!"
      The credit card process went very smooth and simply with the state bank of India. They have taken around 10days to disburse my SIMPLY SAVE credit CARD. I am satisfied with the credit limit, because I have got Rs,50,000 as credit limit. I would say it is good card to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "First experience with SBI is good"
      0.5 4.0/5 "Great!"
      I am very impressed with SBI credit card because I am using it first time, its really a starter credit card for the new users. I am really quite happy with them, but I could not reach them for any credit card queries. On IVR there is no option to connect with the executive. I would like to suggest them. to improve on helpline service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 2.0/5 "Expected more"
      It just a month I got the credit card from State bank of India, I haven't used this card much , The customer support is average with the state bank of India. I got the better credit limit with the SBI simply save credit card and I am satisfied with it.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Unhappy with the bank"
      0.5 1.0/5 "Really Bad"
      I am not happy with State Bank of India for the credit card. They have offered me a very low limit of 47%. The emi conversion is not up to the mark as they charge very high. It is 14% and there are extra processing charges. The customer services need to work on providing clear information to the customer, though I have tried reaching them a number of times.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The State bank of India has approved and disbursed my credit card within a week time. The customer support is good with the state bank of India. I got the credit limit of Rs, 45,000 and it would be great if they make it as 1,00,000. I have paid Rs,499 as annual fee to this card. I am satisfied using the SBI credit card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI . The credit limit was 48,000 which was satisfactory . The customer service and responses was up to the mark. I hold simply save International card and the I am getting reward point. My overall experience was good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Unnecessary charges should not be there"
      0.5 2.0/5 "Expected more"
      I had taken my credit card with State Bank of India through online channel. I am not satisfied with the charges, there should be transparency. They charged 1560 rupees unnecessarily. The customer service and response was above average. I got a Simply click credit card with the limit of 50K.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Looking for more offers"
      0.5 4.0/5 "Great!"
      I already have an account with SBI, so I thought to go with SBI credit card. Then I got the simply save credit card from there end, there will be some annual charges around Rs. 500. Last time when I done recharge on metro card but I didn't get any discounts on the utility.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI . The credit limit was 30,000 and it was very much satisfactory . The customer service and responses was up to the mark. I hold simply save International card and charges are also average . My overall experience on my SBI Credit card is really good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      MY credit card was taken with SBI.The process was really good and quick .The given credit limit was 48,000 which was satisfactory and I hold simply ave International card . The responses and customer service was good so I would like to recommend to others.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has done a good job for me and the customer services are good. I have a simply save credit card and the limit is as expected. It is a free card too. The offers are good and the best I prefer is the reward points. The points can be redeemed with ease.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with SBI on credit card. They have offered zero fee's card. I hold a Simply Save credit card. The credit limit was okay, offered me 50K. They have contacted me on time, it was a proper process. The executive came to my place and collected the documents.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Interest rate should be reduced"
      0.5 2.0/5 "Expected more"
      I am fine with SBI credit card, which I got it recently. I am using my credit card for basic usage but I didn't find any reward points for the credit card transaction. The credit limit is good but interest rate is high for the monthly due. I am not okay with the rates.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Unhappy"
      0.5 1.0/5 "Really Bad"
      I am not really happy with SBI Credit Card. I had received a SBI prime card with the credit limit of 46K. The charges are more for the cash withdrawal which was not informed earlier. The annual fee is charged at the first bill which was not good, it should be charged after a year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am very satisfied with SBI credit card, because they are providing offers like cash back. I am very fine with the credit limit, which SBI offered me. They do have EMI option for the purchase amount. I am very okay with the SBI credit card its good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I bank with SBI for past few years i own a credit card.It has a limit of 1.80 lakhs,annual fees of 500 spend criteria is applicable for this card.I get offers for shopping and i don't have any issues banking with them.I make card payment through online.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Quick process"
      0.5 5.0/5 "Blown Away!"
      The process to get my simply save credit card from State Bank of India was quick. I had no hassles in the collection of my documents. The limit is good as well. Though I have yet to redeem my point. I had an offer of 2,000 points on spending 2,000 in first 60 days. There is a annual fee of Rs.499 and the rate of interest is a bit on the higher side.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I had taken a credit card with SBI through online channel. I hold a Simply Click card. The credit limit was good. The customer service and response was satisfactory, they provided a proper information. They do charge annual fee but I am not sure about the charges. The documentation process was good, their executive came to my place and collected all the documents.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      The service of state bank of India was good in concern to my credit card application. They have taken around 5 to 10days of time to disburse my credit card. The customer support is good with the state bank of India. I am not satisfied with the credit limit, because they have offered me only Rs,50,000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2017
    • SBI Cards Credit Card
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI is providing friendly service, they gave me Easy EMI option with lower interest compared to other banks. I have simply click SBI card, it has some annual fee, and they do give good reward points and cash back. SBI credit card provided me Rs.50,000 as a limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2017
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