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  • SBI Advantage Plus Credit Card

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    SBI Advantage Plus Credit Card

    State Bank of India is one of the leading banks in India that offers great financial services and products. They are designed to meet the changing needs and requirements of the customers. The credit cards offered by the State Bank of India are unique and come with a myriad of benefits and features. The SBI Advantage Plus credit card is specifically designed for shopping and you can enjoy a lot of perks when you use it for making purchases.

    Highlights:

    • Avail Encash facility with this SBI card that will allow you to open FD accounts with the bank.
    • Global acceptance at more than 24 million merchant outlets.

    Benefits of SBI Advantage Plus Card:

    There are several benefits of the SBI Advantage Plus credit card. These are as follows:

    • Ready Cash : Get cash from your credit card at more than a million automated teller machines across the world that accepts Visa or MasterCard credit cards.
    • Global Acceptance : This particular SBI credit card can be used by you at more than 24 million merchant outlets across the globe. In India, you can use the SBI Simply Save Advantage card at 3,25,000 merchant outlets. All outlets that accept MasterCard or Visa will accept your SBI credit card.
    • Additional Cards : You can choose to empower your loved ones with additional or supplementary cards. People who can avail these SBI add-on cards are your children, spouse, parents and siblings. The holder of the add-on card must be at least 18 years old.

    Features of SBI Simply Save Advantage Credit Card:

    • Cash on the Go : You can withdraw cash whenever you want from automated teller machines across the world that accepts Visa or MasterCard cards.
    • Facility for Utility Bill Payment : You can choose to pay all your electricity bills, phone bills, mobile bills and other utility bills using the SBI Simply Save Advantage credit card.
    • EMI Balance Transfer : You can save a lot of money will paying the outstanding amount on your credit card. The outstanding balance on the credit cards of other banks can be transferred to your SBI Simply Save Advantage card. This way, you will be able to enjoy lower rates of interest and can pay back in easy monthly installments. In order to avail this service, you must log on to sbicard.com using your user id and password.
    • Flexipay : Using the Flexipay facility, you convert all your transactions on the SBI card to easy monthly installments. You must remember that the minimum purchase must be worth Rs.2,500 for availing Flexipay. All you need to do is log on to sbicard.com and convert your purchase to monthly installments. Make sure you do it within 30 days from the date of purchase.
    • Easy Money : Avail a Cheque or draft against the cash limit and get it delivered at your address using the Easy Money facility.

    Fees and Charges:

    Type Fees and Charges
    Annual Fee (One Time only) Rs.500
    Renewal Fee (per annum basis) Rs.500
    Add-on card Fee Nil
    Interest Free Credit Avail interest free credit period for 20 days to 50 days. This is applicable on retail purchases only. Outstanding amount of previous month should be cleared.
    Finance Charges Avail finance charges of 2.25% on a monthly basis (27% per annum on all transactions).
    Minimum amount due 5% of the total outstanding balance (Minimum of Rs.200 along with all the applicable taxes)
    Limit on Cash Advance The cash advance can to up to a maximum of 80%, capped at Rs.15,000 per day
    Free Credit Period Nil
    Finance Charges for Cash Advance Avail finance charges of 2.25% on a monthly basis (27% per annum on all transactions).
    Cash Advance Fee at SBI ATMs or other bank ATMs 2.5% of the total amount transacted (Subject to minimum amount of Rs.300)
    Cash Advance Fee at International ATMs 3% of the total amount transacted (Subject to minimum amount of Rs.300)
    Cheque Pick Up Rs.90
    Fee for Payment Dishonor 2% of the total amount transacted (Subject to minimum amount of Rs.350)
    Retrieval of Statement Rs.100 for each statement (2 months or more old)
    Retrieval of Charge Slip Rs.225 for every slip
    Late Payment Charges 0 if outstanding balance is less than Rs.200; Rs.100 if outstanding balance is between Rs.200 and Rs.500; Rs.400 if outstanding balance is between Rs.500 and Rs.1,000; Rs.500 if the outstanding balance is between Rs.1,000 and Rs.10,000; Rs.750 if the outstanding balance is above Rs.10,000
    Card Replacement Fee Rs.100
    Emergency card replacement, when overseas Actual fee along with extra $175
    Conversion mark-up for Foreign Currency transactions 3.5%
    Fee for Rewards Redemption Rs.99
    Fee for Cash Payment Rs.100
    Railway Ticket Surcharge at the counters Rs.30 along with 2.50% of the total transaction amount
    Railway Ticket Surcharge via online (IRCTC website) 1.80% of the total transaction amount along with applicable service charge

    Things to know:

    • Cheque will not be accepted if they are payable outside clearing the zones. The payment is accepted via local drafts or Cheque that are payable only in Delhi.
    • Taxes are applicable on all the interest, fees and charges.
    • You can choose to call the SBI card helpline number anytime you want.

    SBI Advantage Plus Credit Card FAQs:

    1. Which are the credit cards that I can avail Balance Transfer for?

      Balance Transfer facility can be availed for all the different credit cards offered by various banks in India.

    2. How is the billing for Flexipay done?

      You will be billed for your Flexipay as a part of your monthly statements. The first instalment that you have to pay for availing Flexipay facility will be there on your card statement after you book the particular facility.

    3. Can add-on cardholders use the Easy Money facility?

      No, add-on card holders cannot use the Easy Money Facility. Only the primary cardholder can avail Easy Money.

    4. Can I avail Balance Transfer on multiple SBI cards?

      No, you can avail Balance Transfer facility will only one SBI card that you own.

    5. How can I book Encash?

      Encash can be booked by you in two different ways. These are as follows:

      • You can log on to sbicard.com using your SBI login credentials.
      • Call up the card helpline number to find out if you can avail the Encash facility.
    6. Is there a penalty levied on an invalid cheque?

      Yes, a penalty of 2% of Cheque dishonour amount is charged for a Cheque Bounce.

    7. What are the surcharges available on the card?
      Ticket Counters - railway ticket purchase Rs. 30 + 2.5% of ticket value
      Railway tickets purchased from IRCTC website 1.8% of transaction amount + service charge
      Customs duty 2.25% of the amount transacted or a minimum amount of Rs. 75, whichever is higher
      Fuel surcharge at fuel stations 2.5% of overall value spent
    8. How is the calculation of the minimum amount due made?

      Minimum amount due includes the following:

      5% of Total Outstanding balance or a minimum amount of Rs. 200 (whichever is higher) + GST + EMI on loans (if any).

    9. How can I apply for a SBI Advantage Plus Credit Card?

      The steps to be followed in order to apply for an SBI Advantage Plus Credit Card are:

      • Submit the duly filled SBI Advantage Plus Credit Card Application Form and SBI FD Form with the bank
      • Provide a signed copy of the lien authorization letter and Auto Debit Mandate, in the format specified by the SBI Card mandate.
      • Provide the self-attested KYC documents
      • Submit all the above documents at an SBI branch
      • The SBI Advantage Plus Card will be issued to you if all requirements are met
      • Once the joining fee as well as the annual fee is paid, you can use the Encash facility to open a fixed deposit in the bank using the credit provided on the card, for a sum of Rs. 25,000 or Rs. 50,000.
      • The Fixed Deposit will be opened in your name by the Bank, for the amount of your choice.
    10. What is the EMI I have to pay when I use the encash facility to open a SBI fixed deposit through this scheme?

      The cardholder will have to pay EMI for 11 consecutive months, and will be billed according to the amount he/she has used through the Encash facility. The customer will have to pay a monthly EMI of Rs. 2,500 EMI for Rs. 25,000 encashed as FD or pay an EMI of Rs. 5,000 per month for Rs. 50,000 encashed on the card.

    SBI Advantage Plus Credit Card Reviews

    • SBI Cards Credit Card
      "Better Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the SBI SimplyCLick Credit card for a while. It offers More points when compared to I got 5000 reward points. EMI Option is also there. I can easily convert the purchases into Monthly installments with out any hassle. Overall it is a useful card to have.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      It took too much days to take get my credit card it took 25-30days nearly a month. I am getting no offers in my credit card. I am getting the reward points or not i have not checked for that. It is a annual payment card. I have got the joining perks at the beginning.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Customer service is good one and the response is fine one too. I am really happy with them till now.There are no issues with the State bank of India credit card . I have not faced any such issues with them as such.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Wonderful"
      0.5 3.0/5 "Satisfactory"
      I would like to say that the SBI elite credit card is good because of the worth of reward points. I am really happy with them till now, also everything is good one with the SBI elite credit card. There are no issues with the SBI ELITE Credit card...
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      , new delhi
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Good "
      0.5 3.0/5 "Satisfactory"
      I had the State Bank of India prime credit card , also am not using it because the limit is very lesser one for me with them, also there are some issues with the State Bank of India prime credit card. I dont have any issues with them till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I am having the SBI credit card and the customer service is good one too. I would like to say that the response is better one too. I am happy with them till now, also am really happy with the SBI credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card and am using it from the last one year of time. Customer service is good one and the online portal is also better too. I would like to say that the credit limit value is good too. I have not faced any such issues .
      Was this review helpful? 0
      , greater noida
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Customer service is good one with the State Bank of India credit card and the response is very good. Credit limit value is also okay for me with them like I have expected it should be around 1 lakh Rupees and everything is better one with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      Customer service is good one with the State Bank of India credit card and the response is fine one too. I am really happy with them and the credit limit value is nice too with the State bank of India credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2018
    • SBI Cards Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      Customer service with the State Bank of India credit card is good one and the response is okay. Credit limit value is also not bad. I am happy with the State Bank of India credit card. I am happy with them and I dont have any issues with them till now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Services"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for couple of months. I used to receive lots of offers by using this card. Most i will use this card in most of the outlets. They have offered me a very good credit limit. I'm happy about their customer care services. Totally its a hassle free services from them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have got a SBI credit card, the limit I have on the card is Rs. 3,00,000 the services of the card is good, the features and benefits of this card is OK. The annual fees of the credit card is Rs. 499, over all it is satisfactory there is no issues with the credit card.
      Was this review helpful? 0
      , delhi
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      Holding my sbi credit card for last 1 year . Their customer service and response is good. As am satisfied with the credit limit of Rs 3 lakhs which they have provided There are no annual charges for the first 4 years . There are no additional charges for the transaction which i make.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      One of my friend had been holding this card and i had a word with him and he had suggested me this card and the process in getting the card also had been very good as well. The card has reached on time and the credit limit with the card has been satisfactory. There is good benefits with the card and i am not sure about the offers with the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Platinum credit card for a while. The limit is high, there are no commendable offers. Their rate of interest is pretty much higher and they charge 500 annually. Overall it has been a smooth experience with them so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      Started using this SBI credit card for more than 2 years. I used to get a voucher for Amazon against the rewards points. They have provided me a credit limit of Rs. 50 K. The customer service is fine. Its taking minimal time to contact the customer care.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI IRCTC Platinum Credit card for a while. It is good a experience, cash back offers. There are no service charges if the ticket is booked via the IRCTC platform. This is a useful card if you're a frequent traveler. Overall it has been a good experience with the card and their services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Simply Save card for a while. It is good a experience, it has got cash back offers. This is just like any other ordinary credit cards you can find in the market. Overall it has been a smooth experience but they need to provide more offers and facilities for their customers.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding the card for the last five months and the credit limit with the card has been satisfactory. There has also been good features and benefits with the card like reward points and cash back offers as well. I had been using the card for shopping and all other purchases as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2018
    • SBI Cards Credit Card
      "Good Card with low limit"
      0.5 3.0/5 "Satisfactory"
      I've been using the SBI SimplyClick credit card for the past 8 Months. The experience is good. I also have a salaried savings account with the SBI. Overall it has been a good experience but they offered me a very low limit. They need to improve the limit of their customers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2018
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