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  • Enjoy the freedom that comes with one-tap payments internationally with your SBI Gold credit card. Avail flexible repayment rates with the easyEMI facility for your travel and lifestyle purchases.
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    SBI Gold Credit Card

    Enjoy a low interest rate on balance transfers from other credit cards to your SBI Gold credit card.Book your rail tickets and enjoy doorstep delivery.

    Benefits and Features 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.
    • Schedule utility bill payments like electricity bill, insurance premium, etc.on your card and never miss a payment.
    • Pay securely with your card courtesy encrypted passwords and get instant alerts each time you swipe.
    • 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.
    • With the Flexipay facility on your card, convert your purchases into easily payable instalments 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 card.
    • Access your Credit Card Details as well as make payments online through the Net Banking facility provided by the Bank.

    Fees and Charges of the SBI Gold Credit Card:

    Facility Fees
    Joining fee

    Rs.299

    Renewal fee

    Rs.299

    Add-on card

    Free

    Finance charges

    Up to 3.35% per month

    Cash advance (domestic ATMs)

    2.5% of the amount withdrawn or a minimum of Rs.300

    Cheque pickup

    Rs.90

    Statement retrieval

    Rs.100

    Late payment fee
    • Up to Rs.200 - No charge
    • Rs.200 - Rs.500 - Rs. 100
    • Rs.500 - Rs.1,000 - Rs. 200
    • Rs.1,000 - Rs.10,000 - Rs.500
    • More than Rs.10,000 - Rs. 750

    Eligibility and Documentation of the SBI Gold Credit Card:

    • Primary applicant should be above 21 years of age.
    • Supplementary/add-on applicants should be above 18 years of age.
    • Other conditions as set by the bank from time to time.

    SBI Gold Credit Card FAQs:

    1. Is there an interest free credit period available with this card?
    2. 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.

    3. What is the cash advance fee that is levied when I withdraw cash on the card while overseas?
    4. 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.

    5. What is the surcharge applicable on purchase of railway tickets?
    6. 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 the transaction amount. For online tickets booked through the official website (irctc.com), the surcharge levied is 1.8% of transaction amount excluding applicable taxes.

      

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    Customer Reviews

    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI simply save credit card where the limit of the card is good, EMI options are available but rate of interest was nominal, I am using this card from last two years, card has charges of Rs. 500 but if we purchase for 30 thousands some amount then the annual fee is waived off.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 12, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card where the limit of the card is not sufficient and low of 50 thousands. I has taken a card on 6 months before which was processed through bank directly. It is a life time free credit card. For an EMI option charges are nominal. I use this card for shopping and fuel purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I am holding SBI Bank SIMPLY SAVE credit card where the card limit is very less on this card, using this credit card from past two years, this card doesn't has much cash back or instant discount offers, there not much rewards points offer on this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      Response time is very slow in customer care service of SBI card. I have a elite card with me and i get a 2bookmyshow voucher free in a month and I'm getting a priority pass in a airport launch and i get a Vistara club membership. I have got a limit of Rs. 6 lakhs and i need to pay the annual fee of Rs. 5600.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Somehow suitable card"
      0.5 4.0/5 "Great!"
      SBI customer care service is very poor and they don't bothering about the customer. SBI service is not customer friendly. 3 times i was annoyed on their services. I am holding a simplyclick credit card and there is no much discounts, cashback on this card. They have provided me a limit of Rs. 50000.
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding SBI credit card where the limit of the card is good, EMI options are available but rate of interest is very less, cash back offers are also very less, using this card from last two years, card has charges of Rs. 499+GST but if we purchase some amount then the annual fee is waived off.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card which has good offers, credit limit is good, EMI options are available, rate of interest is very high, using this card from 9 months,if we do online purchase we have good offers, also on jewellery purchase there is 5% discount and the customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Super Card"
      0.5 5.0/5 "Blown Away!"
      SBI is a good card to use and the features are like auto renewal process of the fee waiver if i exceeds such amount told by them which is a best thing I'm getting from the card. The card has a annual fee of Rs. 1000 which i don't need to pay if i use more than Rs. 1 lakhs. If i have any rewards points, which i can redeem as a Rs. If i have 100 rewards points which is equal to Rs. 100 which converted into cash.
      Was this review helpful? 0
      , kanpur
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Best for all transactions"
      0.5 5.0/5 "Blown Away!"
      I do have SBI card their rate of interest is very less interms of minimum amount due, if I spend Rs.10,000 the minimum amount comes only Rs. 300 to 400, they won't add any unnecessary charges they are transparent. I never interacted with them but still the service is appropriate.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Neeed to decrease interest charge "
      0.5 4.0/5 "Great!"
      I have been using SBI bank FBB credit card which was got an offer from other channel. It was an annual fee chargeable of 500 rupees but there is an option for a waiver off for a certain amount usage. Mostly I use for Big Bazaar which I get discount up to 5%. For an EMI option charges are bit high.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding SBI credit card from past 10 years there is no issues with the bank,24/7 customer service is available, card has good credit limit, annual fee is zero, there are no rewards point offer if we book the ticket on IRCTC website for train bookings.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card from past 1.6 years, where their are good cashback offers, reward points offers are also good, card limit of the card is very good,Their is annual fee charge of Rs. 499+GST applicable and that to refundable if I purchase more.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was taken through bank directly.I am using this credit card for almost 2 years .This is a free card and i have got the credit card on time without any drawbacks .The credit limit was really good and satisfied according to me .There are good reward points as well as cash back offers .
      Was this review helpful? 0
      , indore
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I hold SBI Simply Save credit card from March 2019 and it was good. I need to pay an annual fee of Rs.500. The credit limit was fine and proper. Also their application is quite convenient. Actually the payment gateway is instant when compared with other banks which helps to far away from late payment charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using SBI bank simply save credit card for more than 2 months. It is an annual fee chargeable of 499 rupees but there is an option for a waiver off. The credit limit is sufficient for this card. EMI option charges are nominal.I use this card for shopping purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Need to imrpove customer service"
      0.5 4.0/5 "Great!"
      I am using SBI bank simply click credit card for more than one year. It is an annual fee chargeable of 499 rupees but there is an option for a waiver off. The credit limit is sufficient of 1 lakh 75 thousands. EMI option charges are nominal which was enhanced. The customer service is no proper response.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Superb"
      0.5 4.0/5 "Great!"
      SBI credit card facility is good especially ELITE. The customer service is very excellent on credit card department. But the rate of interest is very higher for EMI conversion when compared with Kotak Mahindra. I am using the card for since 2.5 years. They are giving reward points, EMI conversion is applicable and this card is really superb.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "They need to improve"
      0.5 2.0/5 "Expected more"
      In SBI, their billing system is not proper. When i pay the bill amount on due date, again they asked me to pay some amount. Their language is in unmannered approach and there is no courtesy in talking with a customer. Anyhow, I'm planning to end up a relationship with SBI Gold card. My limit is Rs. 60000 and they send a bill of Rs. 82000 and they are not specific and the bill is not in a descriptive format which customer unable to understand.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Not satisfactory"
      0.5 3.0/5 "Satisfactory"
      I have done the transactions because of forcible merchants and they have overcharged of 9K. I have approached them for refund and the formalities are very long. I have been using IRCTC card and never experienced the benefits. I have blocked the card for time being and am not planning to use it any more but still they are charging me. The charges are on higher side also fraudulent transactions are happening.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      It is been 10 months back, I had purchased the visa credit card from SBI and the card is visa. The given credit limit is sufficient and it is a life time free credit card. They have dispatched the card within few days. I am using this card for many purposes based on the usage I get reward points and cash back.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 10, 2019
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