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 Gold Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    SBI Gold Credit Card

    SBI Gold credit card introduced by State Bank of India offers the cardholder privileges on travel, lifestyle, shopping and more. This credit card is accepted globally and is the perfect partner for all your travel and lifestyle needs. It comes with unique features like utility bill payments at no extra cost, easy EMI conversion of purchases, balance transfer, easy bank draft request via phone, etc.

    Benefits of SBI Gold Credit Card:

    • Globally accepted with greater ease of accessibility to funds. This card is accepted at merchant outlets worldwide where Visa/Mastercard is accepted.
    • The credit facility offered by SBI Gold Credit Card offers credit at highly flexible terms of repayment. The borrower can customize his payment options in accordance to the minimum amount due as well as the total outstanding.
    • With the presence of a wide ATM network in India as well as the easy availability of VISA/MasterCard ATMs around the globe, availing funds on your SBI Gold Credit card while you are travelling is easy and hassle-free.
    • With this credit card you can book train tickets online on the IRCTC website.

    Features of SBI Gold Credit Card:

    • Payment of utility bills have never been easier with the Utility Bill Payment facility offered by SBI Gold Credit Card. You can schedule the payments of utility bills like electricity bill, insurance premium, etc., by the due dates.
    • This credit card offers various layers of security to the user. All transactions are secured through encrypted passwords, instant alerts on transactions made, etc.
    • Now you do not have to worry if you lose/misplace your credit card while you are travelling. SBI offers a 24*7 Helpline and emergency Global Customer Assistance Services.
    • Get add-on credit cards for your loved ones.
    • Flexipay facility on the card offers the cardholder the opportunity to convert his/her purchases into easily payable installments at a lower rate of interest.
    • By simply placing a phone call to the SBI customer Care Helpline, you can also avail a bank draft through the Easy Money feature.
    • Get e-statements and SMS alerts on your credit card transactions which will help you to keep a track of your credit.
    • Access your Credit Card Details as well as make payments online through the Net Banking facility provided by the Bank.

    Fees and Charges:

    Joining feeRs. 299
    Annual FeeRs. 299
    Add-on feeNil
    Finance ChargesUpto 3.35% per month
    Cash Advance Fees (Domestic ATMs)2.5% of the amount withdrawn or a minimum of Rs. 300/- per transaction.
    Cheque Pickup ChargeRs. 90
    Statement RetrievalRs. 100

    SBI Gold Credit Card FAQs:

    1. Is there an interest free credit period provided on the card?

      Yes. The card comes with a 20-50 days interest free credit period offer which is applicable only on retail purchases when the outstanding amount of the previous month has been fully repaid.

    2. What is the cash advance fee that is levied when I withdraw cash on the card while overseas?

      The cash advance fee levied on cash withdrawn from international ATMs is 3% of the amount withdrawn or a minimum of Rs. 300/- per transaction.

    3. What are the late payment fees?
      Rs.0-Rs.200No charge
      Rs.200 - Rs.500Rs. 100
      Rs.500 - Rs.1000Rs. 200
      Rs.1000 - Rs.10,000Rs.500
      > Rs.10,000Rs. 750
    4. What is the surcharge applicable on purchase of railway tickets?

      The surcharge applicable on purchase of railway tickets using your SBI Gold Credit Card at the railway counter is Rs. 30 plus 2.5% of transaction amount and if you are purchasing the tickets online from irctc.com, the surcharge is 1.8% of transaction amount with service charge

    SBI Gold Credit Card Reviews

    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      My credit card application was approved with SBI cards and the experience was good. The process was very smooth and i received my credit card within 7-10 days. I have a credit limit of Rs 50000 which is less when compared to all other credit cards. There is no annual fee for this credit card. I get reward points on petrol and cash back on shopping. Customer service was good and they collected documents on time.
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      My experience with SBI cards was good, they provided very good credit card services. The process was very smooth and i received my credit card within 7-10 days. I am happy with the credit limit in this credit card and there is no annual fee in this card. Customer service was good and documents were collected door step. I get offers like reward points in this credit card and i use this credit card for shopping.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      It was a very good experience with SBI cards, the process was very smooth and i received my credit card within 10 days. Documents were collected door step and the customer service responded on time and followed up correctly. I am happy with the credit limit and an annual fee of Rs 499 has to be paid every year for this policy. I did not find any offers in this credit card. I use this card for shopping and bill payments.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      State bank has offered me a SBI TITANIUM credit card with the credit limit of Rs,30,000 and I would say it is an average card to use. The customer support is good with the state bank of India credit card department. I get good benefits by using the SBI titanium credit card. There is no annual fee to this card because it is an life time free card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The SBI simply save credit card is used for shopping, purchases, fuel and for other usages. I am not satisfied with the credit limit with the SBI simply save credit card. It would be great id they can increase the credit limit in future, I pay the annual fee of Rs,499 to this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Best banking"
      0.5 4.0/5 "Great!"
      I have taken a credit card with state bank of India.The limit on the card is 50,000 I have requested for one lakh however they've given 50,000.The card is not applicable for an annual fees.Net banking is convenient to use.card.The customer service is good,respond on time.
      Was this review helpful? 2
      , new delhi
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      It is easy ti use the SBI simply save credit card with the State bank of India. I got the credit card for past 2 months. I have got it within 10days of time. The annual fee of Rs,499 I need to pay to this card, I am satisfied with the credit limit because I got Rs,50,000 as limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I had taken a credit card iwth State Bank of India.They had offered a limit of 61,000 i was not happy with the service given by the bank.I was paying 3000 as an annual fees to hold this card however they promised to compensate by giving a voucher for the same, i have not received the same as yet.I closed the credit card with the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Need to be Transparent to the customer"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank of India.The limit on the card is 61,000 i will be happy if they increase the limit in future.They had deducted annual fees of 500 and insurance charge 400 was not informed to me however same was charges in my account.Net banking is convenient to transact.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      I got SBI simply save credit card within 3 to 4 days of time. The customer support is good with the State bank of India. They gave better response and they came to my place to collect the documents on time. The credit limit is average which has offered me.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Satisafctory"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI . I hold prime International card and the given credit limit was 41,000. Their customer service and responsiveness was up to the mark. My overall experience was not good so I would like to recommend to others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      Experience is nice one with the State Bank of India credit card and the credit limit value is around 60000 Rupees, also the response is good one. I would like to say that the customer service is not yet experienced.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Good "
      0.5 3.5/5 "Pretty good"
      Customer service is very good one with the State Bank of India credit card, also it was pretty fast too. Response is fine one for me with the State Bank of India credit card and the credit limit value is descent one.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 2.0/5 "Expected more"
      It is not a user friendly card to use because I have the SBI IRCTC credit card, I have been using the IRCTC credit card for past 1 year. The customer support is average with the state bank of India. This card is average card to use because it has very low benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I used the IRCTC credit card with SBI at present my credit card got upgraded with the FBB SBI STYLEUP CREDIT CARD which is good to use when compared with the IRCTC credit card . I am not satisfied with the credit limit and I got disappointed with the limit which they have offered me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      The rate of interest was good with SBI. I am using SBI Simply Save credit card for past one month. The credit limit was 50K which was happy. The reward points and cash back offers are good. It is not a life time free credit card. They charge annual fee as 500 rupees.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The SBI executives came to my place to collect the documents on time. I have got the credit card within 10days of time. The customer support is good with the State bank of India. I am satisfied with the credit limit. The rate of interest and the charges are average with this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The customer support is not up to the mark with the State bank of India. They have disbursed the credit card within a week time. The executive came to my place and collected the documents on time,. I am satisfied with the SBI simply save credit card limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The Additional charges are very high with the SBI SIMPLYCLICK CREDIT CARD, I have got the credit card within a week time. The customer support is not up to the mark with the State bank, we cannot reach them easily. The rate of interest and the charges need to be reduced with the SBI SIMPLY CLICK CARD.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 15, 2017
    • SBI Cards Credit Card
      "Excellent banking"
      0.5 5.0/5 "Blown Away!"
      I have been banking with Ste Bank of India for last 20 years i have got a credit card with a limit of 4.50 lakhs.I don't have e to pay an annual fees to hold this card.There is no hidden charges in the account.The account is running smooth with the bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
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