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  • SBI Advantage Gold Credit Card

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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.
      

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    SBI Advantage Gold Credit Card Reviews

    • SBI Cards Credit Card
      "Good support for the customer"
      0.5 5.0/5 "Blown Away!"
      More than 4 years, i am holding the credit card from SBI. I am having a SBI platinum card. My credit limit is sufficient for me. They are charging me a yearly fee of Rs. 500. I'm happy about the SBI bank services. I have been using the SBI card for making payment for the other credit cards.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 17, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have State Bank Of India credit card which was applied through Bank directly .I am using this credit card for the past 2 to 3 years .This was a chargeable and the credit limit was good ,I have got a clear picture about the card process and there was no difficulties faced so far .I am very much satisfied with the service .
      Was this review helpful? 0
      , pune
      Reviewed on Sep 17, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am having State Bank Of India credit card which was applied through Bank .I am using this credit card for more than 10 years .The credit limit was good and this was a free card .There are very good cash back offers and reward points as well .I have not faced any difficulties so far and i am totally satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 17, 2019
    • SBI Cards Credit Card
      "Best card with lots of features"
      0.5 4.0/5 "Great!"
      From SBI I have taken elite card it has good balance transfer, flexi pay and attractive feature. Twice I converted the amount into emi with the rate of interest of 15% per annum and the payment gateway is very friendly, once I make the payment the amount is reflecting immediately.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 17, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      SBI gave me a credit limit of 80K which is very convenient for me to use it for shopping, purchase, etc. I have Simply Save Pro for past 3 years. They are not charging me annual fee, if spend about 30K otherwise need to pay Rs.500. The payment mode is net banking which is easier.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 17, 2019
    • SBI Cards Credit Card
      "Need to be more secured"
      0.5 5.0/5 "Blown Away!"
      In SBI, i am having a IRCTC Platinum credit card. I am getting the EMI benefits and petrol sur charges waiver. Security features must be enhanced. I get some cashback offers also. Its easy to hack the card while I'm doing a purchase on malls.Over all good experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Good premium utility payment card"
      0.5 4.0/5 "Great!"
      SBI Prime card i have got recently anyway its a premium card. I have not used the card much. I bought the card for making the utility bill because its gives 20 points for every Rs. 100 i spent. They have a a catalog where i can purchase by using those points hence i get 5% returns based on my purchase.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Good Travel Card"
      0.5 4.0/5 "Great!"
      I have a SBI Air India platinum and they have offered me a good bonus points and good credit limit also. The offers on the miles stone based. If i spent Rs. 5 lakhs i get so much bonus and they are increasing the credit limit on a regular basis. In Air India, i get a miles bonus program and i get 13 bonus.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have State Bank Of India credit card which was applied through Bank directly.I am using this credit card for the past 1 month and the credit limit was good and there was no drawbacks faced so far ,The agent gave all the relevant details about the card process.I am really satisfied with the card service.
      Was this review helpful? 0
      , thane
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Hassle free card to use"
      0.5 5.0/5 "Blown Away!"
      SBI Charges are low. I get the gift voucher from SBI card but i have not used the same. I hold a Air Indian SBI Platinum credit card. I can able to use my rewards points and i can able to convert my purchase into EMI. I got the credit limit of Rs. 1.30 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Good not best"
      0.5 4.0/5 "Great!"
      The rate of interest is very good for personal loan and home loan. I have SBI Simply Save card for last one year. This card works everywhere without any issue. If I shop to the maximum limit then annual fee will be waived off and also they don't charge annually for salary account holder.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was taken through Bank directly .I am using this credit card for the almost 10 years ,This was a free card ,The credit limit was pretty comfortable and i am getting good reward points as well as cash back offers .I have not faced any difficulties so far .I am very much comfortable on the usage of this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Service is Good"
      0.5 5.0/5 "Blown Away!"
      2 years ago, i have started using the card. I'm happy with the service provided by them. The card is accessible in all the place without any hassles. I have received the credit limit of Rs. 2.17 lakhs. I have a FBB style card with me and i have not gone through the benefits till now.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Perfect card for everything"
      0.5 5.0/5 "Blown Away!"
      SBI is good card to go. SBI card is allow me to convert my multiple transaction into EMI. I can simply logon to the website for EMI conversion. Its a hassle free card to use. Their interest rates and EMI conversion charges also nominal. More than 2 years i use the card hence they have increased the limit also.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am having State Bank Of India credit card which was directly taken through Bank .I am using this credit card for more than 2 years ,I have got all the details about the card process.The credit limit was good and it was upto 565,000, I have not faced any difficulties on submitting the documents ..I am totally satisfied on using this card.
      Was this review helpful? 0
      , thane
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding SBI prime credit card where the limit of the card is good, EMI options are available but rate of interest was high, I am using this card from last three years, card has charges of Rs. 2000 but if we purchase for certain amount then the annual fee is waived off.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Interest rate should be reduced"
      0.5 4.0/5 "Great!"
      Almost one year I am using SBI bharth petroleum card, its gives very good fuel surcharge upto Rs.500. But this card has higher rate of interest for emi conversation, last time when I converted Rs.30,000 into 24 months, they charged me around Rs.670 per month and they do have transactions charges around Rs.2000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 15, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card where the limit of the card is good, EMI options are available and rate of interest was nominal, I am using this card from last 4 months and it is a life time free credit card. I am using for shopping and restaurants purposes.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 14, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Using the state bank of India credit card for past 1 month. They have provided me a variant of simplysave card and I'm not sure about the benefits provide by this card. I got the limit of Rs. 50000 and there is no annual fee for this card. There is no joining benefit. Purchased the card without any particular reason. Customer care of SBI is okay.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 14, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 3.5/5 "Pretty good"
      SBI credit card is good and am having Simply Save Master card for almost 6months. The credit limit is average. I have tried EMI conversion and the charges are reasonable but the procedure is difficult. I need to call the customer care to convert the payments into EMI where as in other banks, it can be done through online app.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 14, 2019
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