Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • SBI Advantage Plus Credit Card
    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
      "Average"
      0.5 3.0/5 "Satisfactory"
      Credit limit value is around 28000 Rupees with the State Bank of India credit card and the response is very good. Customer service is fine too. I am happy with the State Bank of India credit card. Everything is perfect one with the SBI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      Customer service with the State Bank of India credit card is good one for me and the response is fine one too. I got the credit card within a month of time and am really happy with them. Responsiveness is good one with the SBI credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I had applied for a credit card with State banks of India.They have offers a good limit of 59,000 i am happy with the limit,the card has an annual fees however i have a spend criteria applicable for this card.I pay my card bills through online.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the SBI credit card and am using this credit card from the last one month of time. Customer service is okay one with them and the credit limit value could be enhanced. I am getting the credit points, which is an added advantage for the same.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have recently started to use the State Bank of India credit card ad the credit limit value is around 40000 Rupees. Process of getting the State Bank of India credit card is really long one. Customer service is better one with the SBI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have simply save credit card with Sbi. The service is good. The documents procedure was made very simple during the process. The credit limit provided on my SBI credit card department is good when compared with other credit service providers in the market.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State bank of India.The limit on the card is 44,000,i have no annual fees to hold this card.They have given a simply save card.The card has a best features for shopping and can earn reward points for the same.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with state bank of India.The limit on the card is 83,000 .I pay an annual fees however its waived id i show a spend of huge amount,I get offers for online as well as at offline stores.Net banking is convenient to use and can quickly make payments.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      Customer service is good one with the State Bank of India credit card and the credit limit value is lesser one with them. I have got the credit card within ten days of time. Everything is better one with the SBI credit card and am really happy with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "looking for better credit limit"
      0.5 3.0/5 "Satisfactory"
      My credit card application was approved with SBI and the experience was average. The process was quite long and it took 1 month to receive the credit card. Initially they told, they will give a credit limit of Rs 2 lakhs but they gave only Rs 70000 and i am not happy with the credit limit in this credit card. Documents were collected door step and the customer service was good. I have not started using this credit card so i am not aware of any offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with State bank of India.The limit om the card is sufficient to transact i have to pay an annual fees of 499 to hols this card.Net banking is user friendly.They had processed the card within 15 days of time. I have raised complaint regarding my card its been one months i have not received a revert for the same.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I had applied my credit card with State Bank of India through online channel. They collected too many documents and provided a lower credit limit. I hold a SBI prime card and they charge annual fee around 2,999 rupees. I paid the first bill through net banking.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have my credit card approved with SBI cards and the experience was good. The process was smooth and i received my credit card within 15 days. I have a credit limit of Rs 92000 which is sufficient for this credit card. An annual fee of Rs 499 has to be paid every year for this credit card. Customer service was good and they collected documents on time. I get lot of offers in this credit card and i use this card for multi purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I got a SBI Gold Card and using it for 7 years. I am satisfied with the credit card service. The credit limit was 1L which was happy. They are charging annual fee. I got the reward points and 5% cash back offers on the shopping purpose. The redemption option is very much available here.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The State bank of India executives came to my place to collect the required documents on time to process my credit card application,. They have taken around 10 days of time to disbursed the SBI simply save credit card . The expected credit limit was not approved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Need Imrovement"
      0.5 3.0/5 "Satisfactory"
      Around a month ago I have applied for the SBI Simply save card, but I haven't got any kind of response from the State bank of India credit card department. The response part need to be improved with the State bank of India and they need to be focus on the customers requirement.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have my credit card approved with SBI cards and the experience was good. The only issue i found is, i received Elite credit card instead of simply save card. I got my credit card within 10 days and i have a credit limit of Rs 1.3 lakhs with the cash limit of Rs 36000 in this credit card. Customer service was good and they collected documents on time. I did not pay any annual fee for this credit card. I get offers like reward points and i use this card for general purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have chosen SBI Simply Save credit card. They offered a credit limit of 15K which was not satisfactory since my expectation was above 30K. The customer service and response was good. They disbursed the card on time. The annual charges are applicable.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with SBI from the year 2010, the credit card services are pretty good comparatively, This is an Elite card and i pay an annual fee of Rs 5000 for this credit card. I got 2000 reward points on spending Rs 2000. I use net banking for making payments and i have a credit limit of Rs 1 lakh which is sufficient for this credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good & Convenient Card"
      0.5 4.5/5 "Excellent!"
      I am using the State Bank of India credit card close to one year. The credit limit was normal. They charge annual fee. The customer service and response was good. It was more accessible and for purchasing home appliances. The payment option was easy to do the payments.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
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