Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI Advantage Plus Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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
      "Annual fees is very higher and No offers "
      0.5 1.0/5 "Really Bad"
      SBI credit cards always offers a very high Interest rate . For the past 1 years , I am not getting any offers and discount in the on-line . I am somewhat okay with the credit limit . Annual fees is around 700 /- . Since , I am not getting any offers , i thought of canceling this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good shopping card "
      0.5 3.0/5 "Satisfactory"
      i am using Sbi credit card more than 8 months. The annual charges for this card is Rs. 499 if i spend some amount annual charges will get waived off.This card comes under a life time free credit card. Credit limit they given only Rs. 35000 i am not happy with the credit limit. Customer services and responsiveness is okay.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      As per my experience SBI is good, because they are considering the existing customer and they increasing the limit and also the bank feedback is very nice. I have Simply save credit card its a life time free card, but I suggest offer part should be taken care.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with State bank of India for the credit card. The customer services are good and they are responsive. They are good in the offers and the credit limit too. The statements are clear and sent on time. In all there are no hassles to use the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits should be increase for the existing customer"
      0.5 2.0/5 "Expected more"
      SBI card is there with me but no much reward points, almost I have been using this card around five years. They didn't enhance the offers or other benefits though I am an existing customer, this a life time free card. Still need improvement on the offers part.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Services need improvement "
      0.5 3.0/5 "Satisfactory"
      I am not too happy with the credit card of State Bank of India. It is not secure and there was a transaction of 8K that was made without my knowledge. I have informed the customer care and they are still working on it. They 90 days timeline is also over.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Card should be more secure"
      0.5 2.5/5 "Just OK"
      The credit limit is okay but not excellent. I bank with State Bank of India for it. The offers are also minimal. But the major drawback is the credit card is not secure and there was a fraudulent issue which had happened. The customer care was quick enough to sort out the issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      I am holding the SBI CARDS with the the service with this card is very good but the card has the charges applicable for yearly once which is 500 rupees. The credit limit with this card is good also it is user friendly to access with this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits should be increased"
      0.5 3.0/5 "Satisfactory"
      I have Tata Credit card from SBI, the limit is very excellent. They give more offers only on the Tata product, the points can redeem into any Tata outlet like tanishiq, croma, etc. Even I can accumulate the points and do other shopping. But I suggest they should give more benefits to the customer like amazon, flipkart and big bazaar.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Best shopping card"
      0.5 4.5/5 "Excellent!"
      i am holding Sbi Bank Fbb style up more than 1 year .This is a life time free credit card no annual charges no joining fees for this card . Customer service and responsiveness is okay .I uploaded all my documents online its really useful. Credit limit is really not sufficient they given Rs. 91000 if they increase it will be good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been more than five years since i am using this Credit card and the services which they had been providing so far had been good. I am happy with the credit limit with the card and there has been some better offers with the card as well. It does not have any annual charges and i have been using this card for most of my purchases.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      My experience at State Bank of India is good and there are no hassles in the process. The customer support and response is good. I bank with them for the credit card. The credit limit is satisfactory and there are annual charges for the card, it gets waived off if the card is used to a certain limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      The services of STATE BANK OF INDIA credit card was good .There is no joining fee at the time of getting the card . I do most of the transaction with this Card and never had any issues. As i take care of my payments on time this card helps me serve better. I am holding this card for past 5 month .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with limit rs -650Lack in this card . This is life time free card and cash back offer in this card everything is good of State bank of India bank and last ten years above I am using this card approximately and their customer service is provided is good and response properly
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Avearge "
      0.5 3.5/5 "Pretty good"
      i am holding SBI credit card from past 8months. My credit limit is not satisfactory, i am not aware about the annul fee . Mostly i use this card for traveling, booking flight tickets. Even the on-line facility is so smooth i never face any network issue . The customer respond is too good.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card with the SBI CARD they have given the credit card limit which is satisfactory with this card also it is user friendly to access. They provide with good offers like cash backs, online purchase offers, rewards points with this card. The customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The experience with SBI credit card was good . It has also got a very good limit. I have faced some issues with their services. The credit limit which they gave me is very satisfactory i never had any problem with their customer service .I close this card .The services are not so good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "They need improve their services"
      0.5 1.0/5 "Really Bad"
      I am not happy with the services of STATE BANK OF INDIA credit card . I have not good experience with them . On one occasion i spoke to customer executive they said me there is no annul fee but later they charge me for that which is very disappointing part . Because of that it is effecting to my credit score .
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "More than excellent"
      0.5 5.0/5 "Blown Away!"
      I use SBI Tata credit card for last 6 months. It is excellent card, main thing they have an option for balance transfer and the charges are minimal. The customer service is also up to the mark. They don't charge annual fee. I use this card for multi purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent and limit has to be enhanced"
      0.5 5.0/5 "Blown Away!"
      I am using SBI TATA Credit card for past 5 years but they have not enhanced the credit limit. It is a life time free credit card. I am using the card for multi purpose. The reward points can be redeemed to purchase any Tata products on the malls also.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
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