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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    Fees & Charges

    Customer Service

    Promised Interest Rate

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    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
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding SBI credit card for long time.They have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit which they have given me in this card, and they use to give good offers in on line shopping.Till now i had good experience with this bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding SBI credit card for long time,now recently i have surrender this card ,because of the annual fee,they have charged me annual fee too high,like they have charged me annual fee up to 5000 which is too high, and the credit limit which they have given me was good, the card was really good, but i have concern with the annual fee as it is too high.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card .Benefits were reward points, movie ticket offers and cash back . I am using this card for past 5 year . Overall I am really happy about the quick application processing and the customer support follow up. Credit limit is satisfactory .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Average card "
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI . I feel its better than other banks. I Got cash-back and rewards points. Transaction happens quick and get proper updates. When it comes to on-line shopping i purchase most of the stuffs using SBI card as most of the On-line portal got offers with SBI .
      Was this review helpful? 0
      , pune
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Not satisfactory card"
      0.5 1.0/5 "Really Bad"
      I have been previously holding SBI credit card for long time.They have charged me annual fee in this card,but no waived off option is available,and that time they have given me credit card based on my salary,but their service is not up to the mark,they torture their customer too much,they call customer if any delay in paying they bill,now i have closed this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using this credit card for more than five years and the services which they had provided has been quite good. The credit limit with the card has been pretty sufficient and there has been some benefits with the card as well. It is a life time free card and there hasn't been any hassle faced so far.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding SBI credit card for long time.They have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit which they have given me was good,it was sufficient for me,and they use to give good offers.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have been using this credit card for the last one and a half years and the services of them has been pretty good. It has been having some annual charges and i am satisfied with the credit limit with this card as well. I have been using the card for shopping and all other purposes as well.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for more than one year and the services which they had provided so far was good. I am satisfied with the credit limit with this card and there has been some good benefits in holding this card. It has some annual charges of 299 as well.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have recently applied for SBI credit card,i just been 10 days i got this card,and they have not charged me annual fee for first year, but from second year they will be charging, and the credit limit which they have given me was good,and their offers i have not avail yet, as i have just now started using this card.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 17, 2019
    • SBI Cards Credit Card
      "Good for Tata purchase"
      0.5 5.0/5 "Blown Away!"
      Last 5 days back I got SBI Tata credit card, the process was very easy to avail that card, the executive proactive said all the details and also the bank gave best credit limit. Tata SBI card has some yearly fee, its fine based on the offers and other benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Better "
      0.5 5.0/5 "Blown Away!"
      I have 2 credit card with SBI. I am using Simply Click card for one year and FBB style up card for 4months. There was no much offers and the credit limit is also low on both cards. The annual charge is applicable. But one special thing is If I use the card in petrol bunks for 2K and am getting 48rs cash back on both cards. One time they have charged me for late payments which was nominal.
      Was this review helpful? 1
      , bangalore
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using State bank of India credit card this is life time free card and rewards point offer is available here and I am happy with State bank of India . I am satisfied with this credit limit and their customer service provided is good and response at a time last two years I am using this card .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Good reward card"
      0.5 3.0/5 "Satisfactory"
      I am using Sbi Simply Save card for the past 3 years. This is one of the best life time free credit card. Credit limit is really good and sufficient. Customer services and responsiveness is really good.I am getting more reward points in this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Convenient card"
      0.5 4.0/5 "Great!"
      SBI has offered me IRCTC credit card and have been using the card for past 3 to 4 years. The credit limit is enough for me. I make time to time payment and never been charged extra. There was no annual charges. I have not used the reward points yet but can be redeemed for ticket bookings.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Two years before I am using state bank of India credit card this is chargeable card but if I spend some money then the fee is waived so I spend that money now my card is life time free card and their customer response is good I am satisfied with credit limit in this card ,
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am holding this card for past few months . This is very good and best card . They offered a good credit limit. So far it has been a good experience with the card and their services. It has also got a good reward points system. Offers are attractive with this card .
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I hold STATE BANK OF INDIA . There is some joining fee with this card . They do provide offers every once in a while.Overall it has been a very good banking experience with the state bank of India. Customer support and there response is too good with this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am happy with the services of STATE BANK OF INDIA Credit card . I am holding this card for past 10month . The reason to stick with SBI is smooth transactions and all the other features it provides like cash back and rewards point. This is the best card in my overall experience.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 16, 2019
    • SBI Cards Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      The credit limit was good. I have been using Simply credit card for last one year. The customer care number is not connecting immediately which takes longer time. The charges are more for EMI conversion and late payments. They are taking 500 rupees as an annual fee.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 16, 2019
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