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

    • SBI Cards Credit Card
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      I don't have any state bank account but their credit card service is experience I am using this card as annual charges of this card is 2400 initially it was 499 later they have upgraded they had offers and the credit limit they have offered is 71000 rupees and at that it was provided that much but I was ok with that. I receive reward points in that i redeem for annual charges of the card
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Not recommendable "
      0.5 2.0/5 "Expected more"
      The good thing about SBI Tata credit card is there are EMI options. But the interest rate is very high. It ranged from 14% to 16% . There are points as well but these points can be used only at croma and I cant utilize it on what ever shopping I wish to do. The credit limit is of 50k. There are a lot of hidden charges taken when a transactions is done on a higher amount. There are GST charges added and only the bank can understand the calculation they make. It is advisable to only make a transaction of Rs.500 so a customer can be assured not to pay more than that 500 in the bill.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Best for a common man to use"
      0.5 5.0/5 "Blown Away!"
      For the last one year I am using SBI credit card, I have not used this credit card much but I am a happy customer using SBI credit card. Credit cards like ICICI, CITI bank, AXIS bank is meant for corporate companies but SBI is meant for a common man.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      Got the SBI prime Credit card a month ago. I use this card for shopping purposes, The customer service of SBI is very good. This card has the benefit of Reward points, cash back offers, fuel surcharge waiver , which can be redeemed easily, but so far I haven't redeemed it yet. The credit limit can be increased in future as per the customers requirement on my SBI credit card,
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last six to eight months of time.Response is a kind of okay, also I have not experienced it. Online banking payment is not yet experienced and I used to make the payment through IMPS mode on other sources.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Overall good "
      0.5 3.0/5 "Satisfactory"
      The good thing about my credit card with State Bank of India is the credit limit is very high, they have offered me a limit of 1.7 lakh. There are a lot of rewards I get on shopping. The services are better than the banking experience. Overall it is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Need to improve"
      0.5 3.0/5 "Satisfactory"
      I am having SBI credit card from the last one year of time. I would like to say that the response is good one even I can say its more than average one.Customer service is also an average one , also I would like to suggest that they need to improve.
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      SBI credit card is okay for me, also they have provided flexi balance transfer option, which is really okay one for me when compare with others. As I have felt that the responsiveness was really an average one,also I have not dealt with them much.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 22, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last one year of time. The response is also good one and their customer service aspects are really working in good way. Payment mode is also working in good way. Offers are up to the mark with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from the last one year of time. The response is also good one and their customer service aspects are really working in good way. Payment mode is also working in good way. Offers are up to the mark with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Its very user friendly"
      0.5 4.0/5 "Great!"
      I love SBI notification part, they updates everything on time. For each and every transaction they used give the message and good in reminder call. SBI gives clear information compared than HDFC, and also SBI gives basically reward points its user friendly to redeem their website.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      The Credit limit is very high with this SBI gold Credit card. They are also giving very good offers if we use this card. I am having this card for more than 10 years. The customer service is very good with SBI. There is no annual fee for this card and I am happy using this card
      Was this review helpful? 0
      , hubli
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Looking for better service and feature"
      0.5 3.0/5 "Satisfactory"
      SBI people are charging high interest rate compared than AXIS, especially for the EMI conversion. I tried to convert the amount but because of the interest rate I could not continue it. So far SBI didn't give any beneficial offers. Credit limit is also not upto the mark they only gave the amount of Rs.40,000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had the SBI credit card and it was a kind okay type credit card, also they have not provided the enough credit limit to me. I would like to say that the response is fine one with the SBI credit card and their payment modes too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Good one"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is good one and the experience is also good one, also they have provided some sort of policies. I would like to say that the response is not really a good one with them and I have faced some sort of trouble with the SBI credit cards.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 21, 2017
    • SBI Cards Credit Card
      "Not recommendable "
      0.5 1.0/5 "Really Bad"
      I am not happy with State Bank of India credit card services. I have the same limit from the day I got my card till date. I also use other bank credit cards and the limit is good. But this bank is not enhancing my limit. There are no EMI options too. I would close the card soon.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Good flexi pay option"
      0.5 4.0/5 "Great!"
      I bank with SBI also for a credit card. SBI has a balance transfer option, but I can transfer the payment only to the cards I won. The best is I can make a huge purchase on my card and convert the transaction to the flexi pay option. The rate of interest is also normal.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Process is good"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India and I recently received this card. The process for it took around 15 days. I did not have to wait long. There was a joining fee for the card. The credit limit is good but not excellent. In all no hassles.
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      , shyamnagar
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Moderate Service"
      0.5 4.0/5 "Great!"
      I am not happy with the bank for the credit card I use because the credit limit is very less. Not only that, SBI offered a chargeable credit card. It would be good if I received a life time free card from the bank. There is no lack in reward points..
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 19, 2017
    • SBI Cards Credit Card
      "Limit needs to be enhanced"
      0.5 4.0/5 "Great!"
      The balance on my credit card is very low. As , State bank of India has offered me a very low limit of 10K. There is an annual fee of 574 which I had to pay as a joining fee. Everything else is fine on the card but the limit is a low therefore, I am unable to make use of the other transactions.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 19, 2017
    Common Loader Icon

    SBI Advantage Plus Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    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:

    TypeFees and Charges
    Annual Fee (One Time only)Rs.500
    Renewal Fee (per annum basis)Rs.500
    Add-on card FeeNil
    Interest Free CreditAvail 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 ChargesAvail finance charges of 2.25% on a monthly basis (27% per annum on all transactions).
    Minimum amount due5% of the total outstanding balance (Minimum of Rs.200 along with all the applicable taxes)
    Limit on Cash AdvanceThe cash advance can to up to a maximum of 80%, capped at Rs.15,000 per day
    Free Credit PeriodNil
    Finance Charges for Cash AdvanceAvail finance charges of 2.25% on a monthly basis (27% per annum on all transactions).
    Cash Advance Fee at SBI ATMs or other bank ATMs2.5% of the total amount transacted (Subject to minimum amount of Rs.300)
    Cash Advance Fee at International ATMs3% of the total amount transacted (Subject to minimum amount of Rs.300)
    Cheque Pick UpRs.90
    Fee for Payment Dishonor2% of the total amount transacted (Subject to minimum amount of Rs.350)
    Retrieval of StatementRs.100 for each statement (2 months or more old)
    Retrieval of Charge SlipRs.225 for every slip
    Late Payment Charges0 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 FeeRs.100
    Emergency card replacement, when overseasActual fee along with extra $175
    Conversion mark-up for Foreign Currency transactions3.5%
    Fee for Rewards RedemptionRs.99
    Fee for Cash PaymentRs.100
    Railway Ticket Surcharge at the countersRs.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 purchaseRs. 30 + 2.5% of ticket value
      Railway tickets purchased from IRCTC website1.8% of transaction amount + service charge
      Customs duty2.25% of the amount transacted or a minimum amount of Rs. 75, whichever is higher
      Fuel surcharge at fuel stations2.5% 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.

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