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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    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 Fee Rs. 299
    Add-on Fee N/A
    Finance Charges on Extended Credit Upto 2.25% per month
    Free Credit Period for Cash Advance Nil
    Cash Advance Fees in SBI ATMs /Other Domestic ATMs 2.5% of the amount withdrawn or a minimum amount of Rs. 300/- (whichever is highest)
    Cheque Pickup Rs. 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.200 No charge
      Rs.200 - Rs.500 Rs. 100
      Rs.500 - Rs.1000 Rs. 200
      Rs.1000 - Rs.10,000 Rs.500
      > Rs.10,000 Rs. 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
      "Very good card"
      0.5 4.0/5 "Great!"
      I have applied for the Simply save card with SBI. The Sbi executive came to my place and collected all the documents to process for the credit card. They have explained me about the card. I have reward point, cash back offers and other facilities with this card. I would say, It is very good card to use because many of the customers are using it and the credit limit also high when compared with other bank card. The interest rate is high when compared with other bank cards.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2017
    • SBI Cards Credit Card
      "Looking for better feature"
      0.5 2.5/5 "Just OK"
      SBI taking too many charges for the credit card, example If I have a credit limit of Rs.50, if I use upto Rs. 49,000. SBI taking some over limit charges. Many times I raised the complain to waiver off the charges its very bad. Points are good in SBI for the transaction, for every spent of 100 points, I would be getting two points.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Charges should be minimal"
      0.5 3.0/5 "Satisfactory"
      SBI charged 3000 rupees for joining for platinum credit card, but they provided 3000 cash back. I could use it in yatra.com or shopper stop. SBI customer service is good, they provide what I need but they are not proactive. They never call to the customer to inform about new offers. SBI payment gate is very difficult, last month I paid NEFT payment on last day, it got reflected after 2 days for that SBI charged around Rs.2400 on my bill.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      There is a balance transfer feature on my SBI credit card and that benefit what they provide is also good. There is a processing fee of Rs. 450 for every 30K. The statements are on time and there is a annual charges of 499. The offers and credit limit is provided by them is good and it is very much satisfactory too.
      Was this review helpful? 0
      , faizabad
      Reviewed on Jun 25, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding this SBI credit card for more than three years of time and the credit limit value is also a good one . Response is also a good one till now and the offers are not really good one with them also I would like to say it is not an attractive one.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I would like to say SBI credit card is the best one for me because they have provided me with the lot of option and benefits to the customer. Its an excellent credit card and they have provided the ccredit limit value ,which is also a good one for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent on the credit card, there are EMI facilities which are very convenient as there are a lot of flexible options. The customer support is good and the credit limit is good on my card. My card is accepted all over online and offline.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
      Was this review helpful? 2
      , chennai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Be more proactive"
      0.5 4.0/5 "Great!"
      I hold a credit card of State bank of India and there are offers on the card but they also charge me very high . I do not get any waiver on the charges as well. The are no coupons for it too. The services also need improvement, they need to be more quick too when it comes to service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Scope for improvement"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one, am using from the last two years of time. Credit limit value could be get improvised like its really not beneficial for me. Whole scenario was not really made me to get satisfied about the process, also they used to take much time to resolve any issues.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I availed chargeable credit card from State bank of India. The annual charges are 500 rupees. Also the credit limit offered by the bank is pretty good and satisfactory according to the requirement. I do receive reward points and cash back offers from the bank.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Convenient to Use"
      0.5 5.0/5 "Blown Away!"
      The annual charges for the SBI card is 500 rupees. I use this card for shopping and entertainment. The credit limit is not much satisfactory. I never faced any issues with the bank in terms of the credit card usage. The bank is prompt in providing reward points on my card.
      Was this review helpful? 0
      , indore
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      SBI has been very much responsive after I applied for a credit card. They were calling me on time and collected my details as well. The process is on and I am happy that they value a customer and are showing interest in the application. Overall it has been a nice experience with this bank.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good pocket money card"
      0.5 4.0/5 "Great!"
      I got SBI simply save credit card, they have provided only Rs.21,000 as credit limit. But it is fine for basic needs and at the time of my SBI credit card activation, I got 2000 reward points its good. SBI giving some cash back offers for online shopping.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for past one and a half years. The credit limit offered by the bank is satisfactory. SBI offered a life time free credit card which is very comfortable for the usage. I do have reward points and cash back offers on my credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      I received life time free credit card from State bank of India. When it comes to credit limit, earlier I was not happy but nowadays I hold other bank credit card so I do not have any issues with the credit limit offered by SBI. I am quite happy with the services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Looking for better service"
      0.5 3.0/5 "Satisfactory"
      SBI is not offering anything and not easy to contact their staff for any queries. All service of SBI is complicated to use. They should improve on their service part and response part. SBI credit limit is good, they offered Rs. 60,000. I am using it for two years.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I would like to say SBI credit card because their process is very smooth, also there is no specific hidden charges with them. I had been with them from the last five to six years of time. My payments are really on time, so I have not faced any troubles with them till date.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Good Process"
      0.5 5.0/5 "Blown Away!"
      State bank of India voluntarily offered credit card for me. I had received a call from SBI once and they inquired whether I have credit card with any other bank, post which they immediately offered the card based on my other bank card. The limit is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2017
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