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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 Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Tata credit card for a while. The experience good, it has got the balance transfer option. The limit is very low that is the only drawback with the card. Other than that I never faced any issue with the services. Overall it has been a good experience with the card and their services.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've been using the SBI credit card for a while. The services are good. The limit is very good. I never had any issues with their services. They have to come up with new exciting offers for their customers. Overall it has been a good experience with the SBI card and their services.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I chose the SBI SIMPLY SAVE CARD online because of SBI. The limit okay, it has got cash back offers. The annual fee is 499. I just started using the card and I'll have to wait and see how it works out for my needs. So far it has been a good experience with them.
      Was this review helpful? 0
      , noida
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Fbb SyleUP credit card for a while, it offers 10% off at BigBazaar. It also has got a good reward points system. It is a useful card to have if you shop at BigBazaar regularly. Overall it has been a good experience and never had any issues with their services.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI SimplyClick credit card for the last two months. The limit is okay for me. I haven't used the card much so it is too early to comment on the features and benefits. So far the experience has been good with the SBI card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI SimplyCick credit card for a while. The services are good, I am getting offers for shopping and traveling. So far I never had any bad experience with the card and their services. They need to improve their reward point system to the next level. Overall it has been a good experience.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is good to use. i had a good experience with the credit card from the sbi. Limit is good. I am using from a month. I am getting no offers. I am not getting rewards points. It is a chargeable if i spent 1 lakhs then it will be wavered off. Documentation is easy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My credit card was approved with SBI and the experience was good, the process took 1 week to complete and i paid an annual fee of Rs 499 for this credit card. I have a credit limit of Rs 45000 in this credit card. I use this credit card for general purpose and the customer service was good with SBI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the SBI SimplySave card for a while. The service is good, it is not a lifetime free card and I'll have to pay 500 annually. It has not got any commendable offers and benefits. Overall they need to come up with regular offers for their customers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I have an Air India credit card with SBI from last 1.5 years, i pay an annual charge of Rs 4999+ taxes for this credit card and i am satisfied with the limit in this card. I have to book a first ticket by paying and then i am eligible for free flight ticket. I was not informed about this earlier at the time of getting this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with the credit card services of SBI, i have a credit card with this bank from last 1-2 months. The credit limit is sufficient in this credit card and i paid an annual fee for this card. There are not much benefits on this credit card and offer needs to be improved.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      It has been almost 2-3 months i have been holding this card and the services which they had been providing so far had been very good. The credit limit with the card has been very good and i have been using the card for shopping and all other purchases as well. There has been good offers during most of the purchases and i have yet to redeem it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      There has been good offers with the cards and the services which they had been providing so far had been very good as well. Their customer support also had been very good and the credit limit with the card has been 90 thousand which has been good. I have been using the card for most of my on-line purchases and ticket booking. It has been almost eight months i have been holding this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The whole process in getting the card has been easy and smooth and even the documentation has went very well. They had provided with a good credit limit with the card as well, and i have started using the card for shopping and other purchases as well. While choosing the card i have gone through the schemes and i have liked this card and chosen it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Not Bad"
      0.5 3.0/5 "Satisfactory"
      It has almost been three years i have been holding this card, The services which they had been providing has not been up to the mark where the response has not been good with them. They have provided a less credit limit with the card which has not been good. Other than that there has not been much benefits with the card as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      I am not happy with the credit card services of SBI and needs to improve. I have a credit card with this bank from last 2 years and i am planning to surrender this credit card. Charges are high on transactions and i did not find any offers on SBI credit card. The credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      I have been holding this card for the last one year and the services with them had been very good so far. The credit limit with the card has been less than i expected and i am expecting it to be increased in the near future. Their customer support also has been very good so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      The whole process in getting the card has been very much easy and the card has reached on time as well. The credit limit with the card has been sufficient and satisfactory as well. There has been good benefits with the card as well. I have started using the card for shopping and other business purposes and i am expecting the credit limit to be increased in the future.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      It has almost been a month since i have been using the card. The credit limit with them has been very good with the card and the process in getting the card has been very much easy and smooth. The card also had been reached on time, and there has not been any issues faced so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 14, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been using Sbi simply save card . Their Customer service is good they responding well for queries. Am satisfied with the credit limit which they have offered. There is annual charges of Rs2000 which gets waived after using certain limit . There is no additional charges for the transaction which i make. Am getting cash back offer is some of the malls . Am using their credit card mobile application which is user friendly.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jun 14, 2018
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