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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
      "Good card"
      0.5 4.0/5 "Great!"
      I have an SBI credit card and i hold a good limit with them. I get good reward points and cash back on the card. Its a life time free card. There is options for EMI and balance transfer but i have not tried using any of these. I have redeemed my reward points. The mobile banking with them is comfortable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Looking for better credit limit"
      0.5 2.0/5 "Expected more"
      I have my credit card approved with SBI and the experience was good, i paid an annual fee of Rs 499 for this credit card and they gave a credit limit of Rs 17000 in this credit card which is less. I use this card for multipurpose and i did not find any offers so far. Customer service was good and they collected documents on time. The process was quite long and it took 1 month to receive the credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 4.5/5 "Excellent!"
      The credit card services of SBI is very good, i did not find any transaction issues in this card. I am using this card from last 2 years and there is no annual fee charged for this card. I am satisfied with the credit limit and payment options are convenient for me to make bill payments.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 4.0/5 "Great!"
      The state bank of India credit card service is average and I hold the SBI SIMPLY CLICK CARD for the past 7 months. The credit limit value is average with this SBI SIMPLY CLICK CARD and i am satisfied with the credit limit, the customer support service and the response is average with the SBI.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The state bank delivered the credit card within 15 days of time. The customer support service is average with the SBI. The credit limit value is good with the SBI SIMPLY SAVE CARD and I am satisfied with it. I would say State bank gave me good service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Got the INSTA LOAN from the State bank of India around 3 yeas ago, the customer support service and the response is good with the state bank of India. The rate of interest and the charges are pretty high with the State bank INSTA LOAN when compared with the personal loan process.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      The credit card service is good with the State bank of India and I use the SBI ELITE CREDIT CARD from past 6years. The customer support and the response is good with the State bank of India and they give good response to the customers. the credit limit value is low with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India and the offers and credit limit is good. I am also glad that I get my statements without any hidden charges and it is sent to me on time. There are good offers as well. The customer services are also fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Very good srevice"
      0.5 5.0/5 "Blown Away!"
      The credit limit value is good with the SBI SIMPLY SAVE CARD and I have got the credit card with in a week time. The customer support service and the response is good with the sate bank of India. their executives came to my place to collect the documents on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Good. Can do better on limit"
      0.5 4.0/5 "Great!"
      State Bank of India has offered me a credit card and it is a good experience till date. It would be better if they provide a better credit limit. The customer services and response is good and the billing cycle is convenient and the statements are sent to me on time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I got the SBI simply save credit card around a month ago and I have started using this card. The State bank of India took more than a month time to approve the SBI simply save credit card. The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I use the SBI Simply save credit card for more than 3 months. The credit card service is good with the SBI. The customer support service and the response is good with the SBI. The credit limit value is very low with this SBI Simply save credit card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I use the Fbb Style up Sbi credit card for past 2 years. The customer support service is not satisfactory, they don't give proper response to the customers. The credit limit value is average with this card and I am not satisfied with it.
      Was this review helpful? 0
      , jaipur
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      The service was good with the State bank of India in regards to my credit card application. The whole credit card process took around 30dayus of time. The customer support service is good with the State bank. The credit limit value is good with this card and I am satisfied with it..
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with SBI from last 8-9 months, an annual fee of Rs 500 has to be paid for this credit card. This is an IRCTC card so i get good offers on railway tickets. Net banking is easy for me to make bill payments. I am happy with the credit limit in this credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 18, 2018
    • SBI Cards Credit Card
      "Good card to hold"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI were i am satisfied with the limit. I have received reward points and cash back with the card after the purchases. The customer service is good. Easy EMI option is there. There is an annual charge of 599+GST is applicable.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 17, 2018
    • SBI Cards Credit Card
      "best experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a credit card from the top most public sector bank STATE BANK OF INDIA. It is very easy to use the card in online and offline transactions. It is not a life time free card but the annual charges are reasonable by comparing with other cards.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Apr 17, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a SBI IRCTC credit card from more than 10 years, i find this credit card is convenient to use. It is a lifetime free credit card with the credit limit value which is sufficient for this card. I get good discounts on railway tickets and all my transactions are hassle free.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • SBI Cards Credit Card
      "average experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a credit card from the top most public sector bank STATE BANK OF INDIA. The product name of my credit card is IRCTC SBI PLATINUM CARD. I am totally dis satisfied by their services. I am unable to use the credit card to purchase train ticket in irctc website. They charged additionally charges Rs, 20/- for each transaction.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 17, 2018
    • SBI Cards Credit Card
      "SBI credit card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI and for EMI conversion the rate of interest is 14%. I used to get reward points and cash back with the card. There is an annual charge of 299+ GST will be applicable. and will be reversed if the purchase is above 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 17, 2018
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