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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
      "Very good offers"
      0.5 4.0/5 "Great!"
      I hold a another credit card with SBI. There is a limit of 1.76 Lakh. It is a simply click credit card and if I spend 90K on a yearly basis the charges are waived off. It is of 499 plus tax. There are offers on Shop clues and flip kart and Amazon. There are cash back 5 to 10%. I also get 10 points on Amazon. The points can be used for amazon gift card and clear trip. I can also use the points on book my show too. The value of one point is 0.25paisa.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      SBI credit card has nominal yearly fee around Rs. 499, I got bonus points around 2000 I spent more than Rs. 20,000. SBI gives lots of offers on shopping, swiping etc, credit card is convenient to use. But credit limit is low compared to other banks.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Must enhance limit"
      0.5 4.0/5 "Great!"
      Though the process is good with SBI for the FBB styleup credit card and I got it on time. The credit limit is only of 10K and the reason is because I already have another credit card with the bank with a higher limit. There are charges of 600 I am not having much of offers too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Need to work on the updates"
      0.5 3.0/5 "Satisfactory"
      There is no difficulties with SBI for the credit card. I cleared my payments and still showing there is due amount. They have not updated my payment. Else it is okay. The credit limit is okay. It is a Chargeable card of Rs499. I got it within 4 or 5 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Customer service should be improved"
      0.5 4.0/5 "Great!"
      SBI is also new card, one month back only I have availed that card. I approached directly bank to avail the card, there was very documentation because I am an existing customer of the bank. So I though to have credit card from existing bank to make convenient transaction.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good for Shopping"
      0.5 4.0/5 "Great!"
      I have FBB credit card, they give good offers on big bazaar for any shopping like clothes and accessories, I do get discount upto 10% on shoppings. For Rs.1000 purchase they give flat 10% discounts. Overall its a good card for the shopping purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      It is a good process with State Bank of India and on time as well for the simply save credit card. Everything is fine about the card and the limit as well. There are all the offers available and it has been good overall. I am not sure on the annual charges.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Customer service should be improved"
      0.5 3.0/5 "Satisfactory"
      SBI customer care is not satisfactory, they wont respond to the customer queries. But the credit card has good offers, If I purchase any grocery, any products they are providing good points based on the transaction. Even the credit limit is nominal around Rs. 80,000.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average Credit Card"
      0.5 3.5/5 "Pretty good"
      I can login from anywhere for this Credit Card, they have this facility which is not available in my other card. I can directly go to their bank account and make payment from other bank account also. One drawback of the card is that they said the Card to card transaction was available but it is curtailed to type of card that you are using. One can only transfer money from Visa to Visa or Master to Master card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "So far so good"
      0.5 5.0/5 "Blown Away!"
      The SBI prime credit card is so far good. I used the card for 50k in the first month itself and when ever I used it, the experience was good and no hassles. The credit limit was sanctioned as required, it is of 4.40 Lakh . The first year it is a free card and after which there are charges of 3K.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been banking with SBI for last one year,the limit on the card is 22,000,they have not increased the limit as I am expecting more.The customer service is not up to the mark.I would say this card is not useful at all the features are not good.They had given Capital first card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good. Charges can be reduced"
      0.5 4.0/5 "Great!"
      I hold a simply click credit card with SBI. The documentation was taken on time and the card was dispatched on time too. The limit is not up to the mark, but it is fine. They have offered me 80K. It could have been better. There are charges for the card. There are cash back offers and rewards and also the surcharge on fuel is waived off.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      State Bank of India is not up to the mark. I hold a credit card. The services are also not okay too. They would not answer to the query I ask and would respond something else. So I keep this card as the last option. They also charge a lot when compared to the other banks,
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I had applied for a SBI IRCTC credit cad but I have got the SBI SIMPLY SAVE CREDIT CARD from SBI, The service need to be transparent from the State bank of India. The product which I have choose I haven't got it from the state bank of India. The credit limit value is average with the SBI SIMPLY SAVE CREDIT CARD.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Satisfied with SBI credit card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI with a limit of 2 lakhs. I am satisfied with the limit. I have received cash back and reward points with the card. There is an annual charge of 499 is there with the card.I am comfortable with the mobile banking with the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average Experience"
      0.5 3.0/5 "Satisfactory"
      I have a Simply Save Credit Card from SBI. It's a good card to hold on too. I haven't used the Card that much though. They have offered me a low Limit of Rs.45000 in it. Customer care was proper, not that great though. The card is a Annually free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with State bank of India credit card department. I feel the rate of interest and charges is fine with State bank of India credit card team. It is really hard to redeem the reward points and only way to redeem the reward points is booking the train tickets specifically in the Ac coach through my Sbi Irctc credit card department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The customer support is good with Sbi credit card department. They offer me with credit limit of 60k but they expected 1 lakh. The documents have been collected from my door step which is a smooth process. It is a good experience with Sbi credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I am holding a credit card of SBI ,the limit on the card is 45,000, I had been using this card for last one year.No offers were give till date,i make payments. The card type is SBI prime.I have an EMI options on this card.Bankers do give prompt response.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the SBI SIMPLY CLICK CREDIT CARD around 8 months ago. The customer support service is below average with the State bank of India, they are not giving proper response to the customers and they are not fulfilling the customer's requirement. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
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