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

    • SBI Cards Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      I am using Simply save credit card from SBI, they wont charge any annual fee or other fee. I am happy with that and they gave many exciting offers on fuel surcharge, reward points etc. I could convert the purchase amount into an EMI without any charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 19, 2017
    • SBI Cards Credit Card
      "Needs to improve"
      0.5 2.0/5 "Expected more"
      To what I had expereinced SBI credit card did not work really well and the credit limit value is around 17000 Rupees. Annual charges are around 500 Rupees and there are no offers with them till now. Customer service and other aspects are really not good like I need to wait for thirty minutes in the line to be connected with their executives which can be worked on.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Good to have SBI card"
      0.5 5.0/5 "Blown Away!"
      SBI doing fair enough job on credit card process, I have SBI gold credit card, I used to get reward points for all transaction. I never redeem those points as of now, SBI gives good cash book offers on Flipkart and Amazon, I got maximum amount of Rs.2500 of cash back
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I am using credit card with State bank of India. The charges are 500 per annul. The bank quoted good credit limit and it is very much satisfactory and useful according to my usage. Also, whenever I use this credit card, the bank promptly credits reward points and sometimes cash back offers. It is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Better Service"
      0.5 2.5/5 "Just OK"
      Recently I had taken a credit card from State bank of India. It has been six months when I availed their credit card service. As of now, I did not face any issues with them. But I could not expect good customer service from SBI as it is a nationalized bank.
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      , hyderabad
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Satisfied with the services & offers"
      0.5 5.0/5 "Blown Away!"
      SBI is the best on the credit card offers, especially they offered me a very good credit limit. It is a better limit when compared to ICICI Bank. Like wise there are a lot of nice offers of rewards and cash back and a lot of offers on the eCommerce websites.
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      , chennai
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Convenient to Use"
      0.5 4.0/5 "Great!"
      I am quite happy with the credit limit offered by the bank for my credit card. The annual fee is 500. Their services are really good and I have no issues with State bank of India. Even I do not have any problem with their customer service. I am happy with SBI card.
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      , ghaziabad
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      I am quite happy with SBI service of credit card, It provides good reward points for petrol and diesel with the value of 1 point - 2rupees, as of now I have accumulated 700 points. SBI recently upgraded the good credit limit now its around 2.50 lakhs I am very much satisfied with them.
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      , mumbai
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Good to Hold"
      0.5 4.5/5 "Excellent!"
      I like SBI interest rate and transparency of credit card its good. I am holding SBI credit card more than ten years. I am using SBI visa card, I am getting good reward points, I have accumulated 5000 to 7000 points I have converted into voucher but there is no option to convert into a cash back.
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      , sonipat
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Very good offers and overall good service"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI and I get the best of offers. There are no charges taken for the card and the credit limit has been good too. The statements are clear and they have given me a convenient billing cycle. In all I have no issues as my card is acceptable every where.
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      , hyderabad
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      I am having SBI gold credit card for past 3 years. I will be gaining plenty of benefits like reward points, cash back offers with this card. With every 2000 reward points, they will credit Rs.500 directly to the account , which is not possible with any other banks. We can redeem the rewards points as cash with this card. The rate of interest is nominal with this card . Overall I can say it is very good card to use.
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      , chennai
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Useful card"
      0.5 4.0/5 "Great!"
      I got State bank of India SIMPLY SAVE credit card for last 15 months. The benefits are not used much. State Bank Of India need to increase the credit limit in future, The rate of interest is nominal with this card. Over all the service is good with SBI.
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      , bangalore
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "SBI need some scope of improvement"
      0.5 2.0/5 "Expected more"
      My using SBI credit card called Simply save but I am not happy with this card. They were taking lot of hidden charges it was not reflecting in the bill and they not giving good response to the customers. SBI offered the credit limit of Rs.25,000, SBI should improve the offers to give satisfactory service to customers.
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      , chennai
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I have closed the SBI credit card after the usage of one year of time. Customer service was fine one with them and the credit limit value was also a good . There were no worries one with them till now and they have improved a lot as of now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      State Bank of India provided me a simple save card with so good offers. I get cash backs for my online purchases I have recently bought mobile from this card Credit limit offered is 21k and the annual charges is around 500 rupees its been just 6 months Ima using this a card.
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      , new delhi
      Reviewed on May 18, 2017
    • SBI Cards Credit Card
      "Should be more flexible"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is the best one to have according to my perspective. SBI credit card provides good cash back option and am with them from the last three to four months of time. Late payment charges are too much with them and I would like to suggest that they should be more flexible to the customers.
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      , hyderabad
      Reviewed on May 17, 2017
    • SBI Cards Credit Card
      "Useful card"
      0.5 5.0/5 "Blown Away!"
      I got SBI master card from December 2016 and , Getting benefits like rewards points, cash back offers, fuel surcharge waiver in this card. The credit limit can be increased with this card. The rate of interest is nominal here. Overall I can say this card is very much useful card.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on May 17, 2017
    • SBI Cards Credit Card
      "The best of offers & credit limit"
      0.5 5.0/5 "Blown Away!"
      SBI offers me two movie tickets on my Elite credit card on a monthly basis. Apart from that I am given a credit limit of five lakhs. The customer support is good and there are no charges on my card. There are other discounts as well. I have not had any issues till date in using this card.
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      , surat
      Reviewed on May 17, 2017
    • SBI Cards Credit Card
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      I am comfortable with the credit card services of SBI and there has been no hassles what so ever either in my statements or in the offers. The services are good and the bank has given me a good credit limit too. Th overall experience has been great till date.
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      , pune
      Reviewed on May 17, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Got a gold credit card with SBI for past 3 years. The reward points , cash back offers, fuel surcharge waiver offers are available in this card. The reward points can be redeemed but I haven't done that yet. The rate of interest is nominal with this gold card. I am happy with the credit limit. Overall its a good card to use.
      Was this review helpful? 0
      , tirunelveli
      Reviewed on May 17, 2017
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    SBI Gold Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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 fee Rs. 299
    Annual Fee Rs. 299
    Add-on fee Nil
    Finance Charges Upto 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 Charge Rs. 90
    Statement Retrieval Rs. 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.200 No charge
      Rs.200 - Rs.500 Rs. 100
      Rs.500 - Rs.1000 Rs. 200
      Rs.1000 - Rs.10,000 Rs.500
      > Rs.10,000 Rs. 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

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