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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
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      My credit card was approved with SBI and the experience was not up to the mark. I have closed this credit card as the credit limit was very less when compared to other credit cards. Customer service was not good and they did not inform about the terms & conditions on this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Looking for better credit limit"
      0.5 3.0/5 "Satisfactory"
      My credit card was approved with SBI and the experience was good, the process was smooth and i received my credit card on time. The credit limit is less on this card and i paid an annual fee for this credit card. I did not find any offers on this credit card so far and i use this card for general purpose. Customer service was good and they followed up on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have been using this card for the last 10 years. Based on their services they are very good at it, and i use this card mainly for retail purchases, shopping, booking flight tickets. They had provided me cash backs during such purchases and also reward points where good. Last but not least i am very much with the credit limit which they have provided me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with SBI from last 8 months, an annual fee of Rs 500 has to be paid for this card. This is a simply save card so i get good reward points and i have no issues at the time of redemption. I am happy with the credit limit and i make my bill payment from my salary account.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I'm holding a SBI Prime Card and this card provides lot of cash back offers, sometimes free movie tickets. There hasn't been any issues with the card. I also use the card for shopping and other daily life stuff. Overall I'm happy about the features of the card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Got the Irctc sbi platinum credit card for the past 2 months. The customer support service and the response is average with the SBI and they give good response to the customers. I am satisfied with the credit limit value from the SBI IRCTC credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The credit card service is good with the state bank India and they give good response to the customers. I use the Sbi simply save credit card for more than a year, The customer support service is good with the State bank of India,. The credit limit value is average wit this card and it would be good if they can increase the credit limit.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 3.5/5 "Pretty good"
      My experience with SBI credit card was good, the process took 20 days to complete. An annual fee of Rs 499 has to be paid for this card. I am happy with the credit limit in this card and i use this card for general purpose. I get good reward points on this credit card. Customer service was good and they followed up on time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 4.5/5 "Excellent!"
      The SBI IRCTC Platinum Card is very useful. The customer support is good. They always provide great offers. They offer reward points for all tickets bookings and these Points can be redeemed in the form of AC Tickets. The Card also offers nationwide free platform access so no need to stand in the queue to purchase a platform ticket anymore.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The state bank of India gave me proper response in regards to my credit card application. The customer support service and the response is good with the State bank India. I have got the credit card within a week time. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      The benefits and the offers are good with the Fbb SBI style up credit card, I have got this card around 6 months ago. The customer support service and the response is good with the State bank of India and they give response to the customers. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the SBI BMB gold and more credit card for more than 3 years. The customer support service and the response is good with the State bank of India. the credit limit value is low with this card and it would be good if they can still increase the credit limit.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card from SBI, the services is good, I am satisfied with the card, even though the limit is not enough, the benefits and features of the card is good. The annual charges are quite high nor its too high, it is not an hassle for me. I am happy with the credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I have a credit card from SBI, I am satisfied with the card, the limit they have offered is around Rs. 50,000, I am satisfied with what they have offered. The annual charges are not included up to 4 years since I have taken it. I am satisfied with the benefits and it is a good card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a SBI Simply Save credit card and the limit which i hold is fine with the card. I have received 2200 reward points with the card. Still now i have not done any EMI conversion with the card. There is an annual charge of 499 is applicable with the card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 26, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The rules in emi options where pretty hard to figure out. I was satisfied with the credit limit which they had provided me. But when i am trying to contact the customer service representative it is being hard for me to select from the options which are giving.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 25, 2018
    • SBI Cards Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The state bank of India customer support service and the response is good . The credit limit value is good with the SBI gold and more credit card. The offers and the benefits are good with the Sbi gold and more credit card. I would say it is a better card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 25, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with SBI from last 2 years, offers like reward points are good in this credit card and are easily redeemable. Reward points can also be converted to a gift voucher. I pay an annual fee of Rs 2500 and the credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 25, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I bought the SBI Simply Save Credit Card before 2 Months, I happy with the Happy with the features and benefits associated with this card. I use the card mainly for Shopping and booking tickets. Their reward point system is really flexible.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 25, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I bought the SBI SIMPLY SAVE CARD online. There wasn't any specific reason to choose this Credit Card apart from the Amazon Gift Voucher they were offering during the purchase. After all, being a Govt company, the trust factor is certainly there with all SBI products. I make payments online and offline.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 25, 2018
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