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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 for cash back "
      0.5 4.0/5 "Great!"
      SBI charging 36% of percentage for the late payment, I normally pay the amount on time but I heard the interest rate is huge. I got offers in amazon upto 10% on purchasing mobile and I have converted the amount into emi . There is no processing fee.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Dec 13, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a simply save credit card with SBI from last 4-5 years, there was no annual fee charged for this credit card. I am getting good reward points on this credit card and it is useful. I am satisfied with the credit limit provided by SBI credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card for a while, there service is excellent , they have charge me an annual fee in this card , they have charged me annual fee and it has been waived off and i am happy with my credit limit, and i use this bank card for multi purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have been holding my saving and salary account with State bank of India, there service is not up to date, and the mobile application is not good, i face many issue with there application, and even in website there is showing error , i have not visited branch service so i have no idea about that, i am not satisfied with there service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using SBI bank credit card long time, they have charged annual fee for this card, and i am happy with my credit limit they have given sufficient as per my expectation, and customer service team was good and they give good offers in shopping .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Am holding sbi credit card for last quiet years As am satisfied with my credit of limit . There are annual charges for the card of rs 500and there are no additional charges for transaction which i make through credit card .i got cash back offer Their Customer service and response is also good.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Limit could have been More"
      0.5 3.0/5 "Satisfactory"
      I hold a SBI credit card and the limit given is not that good. I have got a less limit where i cannot buy few stuffs. There is an annual charges here but it gets waived off. It would be great if SBI increases the limit and i am using this SBI Credit card for a very long time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using sbi card , where the customer service is too good interns of response and service . I have been using their mobile application . There are no annual charges for the card as its life time free card. I got best cash back offers . Overall am satisfied with the card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using sbi credit card for last few years I am very much satisfied with their service as they have given good credit limit and happy with it I have done lot of transaction. There is annual charges for the card of Rs 499 . There is no additional charges for the transaction which i make.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      State bank of India giving good service for credit card . I have chosen this card based on the offers and suggestion . There are annual charges for card of rs 499 which gets waived off after using certain limit . Am satisfied with the customer service and response. Overall its an average card to use.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I am very much satisfied with their service as they have given good credit limit and happy with it . I have done lot of transaction. There are no annual charges as its life time free card . There are no additional charges for the transaction which i make. There are some good reward points and offers which is provided on this credit card,
      Was this review helpful? 0
      , faridabad
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I hold a SBI credit card and the card which i have is 6 years old Card. I am using since 2014,. And the Services which i am experiencing till date is very much satisfactory. I get messages and Statements on time. Never had OTPs issues. And as i am using since long they do ask my interest to increase limit on my card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been started using the SBI credit card for more than 2 years. The card which i purchased during my college days hence they have given me a lowest credit limit of 20 K which is not sufficient for me. There are no yearly charges for this card as of now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using the SBI credit card for almost 1 year. They have offered me a credit limit of Rs. 80000 and I'm happy about that. I have to make the payment after 50 days of purchase. They will not charge anything as a annual fee. There is no offers provided by this credit card. I never interacted with their call centre people. They used to send offer messages on a regular basis.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I hold a SBI Credit card and i also hold other ban credit cards, but among them if i have rate any card the best, i will rate SBI credit card. The reason behind is the limit given to me on my card. It is very much sufficient and it take cares of most of the things.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      Since 1 year i'm using the SBI credit card and they have given me a credit limit of Rs. 30K however there is a 499 yearly fee anyway it will get waived. There is a offer on flipkart and amazon on big festival days. I spoke with the SBI customer care for the payment and the response was good.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Dec 12, 2018
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      SBI customer support is lacking, they have toll free number but taking long time more than 10 minutes to reach the executive, After connecting the response is good, I suggest them to improve the IVR options, even the offers are not upto the mark.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 11, 2018
    • SBI Cards Credit Card
      "Good for Big Bazaar"
      0.5 4.0/5 "Great!"
      In Big bazaar I get discounts on my shopping because I have been using FBB card, its convenient to use anywhere even the card accessibility is good. There is no yearly fee, upto two years, even the customer service is good for the credit card queries.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 11, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for long time, the best thing in this card is that i can convert my EMI option they use to send me link and i can convert it quickly without any issue and they have charged me annual fee which is very high they have charged me up to 3,000 as annual fee , but there is waived off option available that too high they said if i spend up to 3,00,000 in an year then my annual fee will get waived off, and i am happy with my credit limit.
      Was this review helpful? 0
      , indore
      Reviewed on Dec 11, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been using SBI credit card for long time,they have not charged annual fee in this card, it is life time free credit card, but there interest rate is high , apart from that there service is good, they provide good offers and i am happy with my credit limit they have given me in this card, overall service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 11, 2018
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