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 card to use"
      0.5 4.0/5 "Great!"
      Having the SBI simply save card for past 3 years. The credit card service is very good with the SBI simply save card. I pay the annual fee of Rs,500. The reward points cash back offers and fuel surcharge waiver is available with this card. I am satisfied with the credit limit,.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Its good experience with SBI bank related to the credit card.They have been giving me a lot of facilities on the card, There is no hidden charges for any transaction. I really happy with my credit card and the limit they have offered me is 1.65 lakhs and they have offered me life time free credit card. I receive normal offers on my credit card
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State bank of India credit card provides good offers in terms of cash back, reward points in redemption as well as the shopping. Am pretty much happy and satisfied with the benefits provided. Overall pretty good experience the credit limit they have offered me is 50000 rupees and i have taken this card in 2014 till now i haven't faced any issues with this card.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I pay the annual fee of Rs.500 every year to SBI Gold platinum credit card. This card has the benefits like reward points cash back offers and other offers in it, I would say it is an average card to use but I am satisfied with their credit limit and happy with their service.
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      , new delhi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "More good"
      0.5 5.0/5 "Blown Away!"
      My credit card is free for the first year the annual fee would be 499 from second year onwards. Credit limit is the one which determines the satisfactory level, in that way, I got very good credit limit from the bank and it is much convenient for my usage. Whenever I use my card for shopping, the bank is prompt in crediting reward points and other cash back offers.
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      , chennai
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Good for travellers"
      0.5 4.0/5 "Great!"
      I have taken IRCTC credit card from SBI, because I keep traveling. I am always getting discount on train tickets. Their offered me good credit limit its good and satisfactory. When I was working with previously company they gave 50,000 to 60,000 it was sufficient.
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      , bangalore
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Looking for a better offers"
      0.5 2.5/5 "Just OK"
      SBI is okay but they are not as good as AXIS Bank in term of credit card. I have been using the card around two years, so far they didn't increase the credit limit. I am getting Online shopping offers in Amazon and flipkart its nominal, I am fine with that.
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      , kolkata
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Beneficial services"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and the bank provides me good offers. They send me regular alerts about the ongoing offers and the bank has given me a good credit limit too. There is a annual fee of 500 and the statements are on time with clear details.
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      , hyderabad
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Kind of okay"
      0.5 3.0/5 "Satisfactory"
      SBI Credit card is some what okay. I am holding this SBI credit card for about 4 month this card was taken a few months back no compliments were provided. I had received this card through a third party and i did not receive any compliments . However I had received the welcome letter and Tariff sheet.
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      , hyderabad
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "No good credit limit, no service no offers"
      0.5 1.0/5 "Really Bad"
      I wont recommend SBI credit card because they are charging lot of charges and the annual charges are really high and it is very difficult to reach their customer care. The reason for calling them was because, I had to foreclose the loan for which I had to wait for about one hr and 20 minutes and they dont have an option to out call their customers back for which, I had to stay on the call and I had to foreclose the EMI.
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      , kolkata
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India. I would not say it is excellent, but it is good and hassle free. The charges and interest is normal and there are good deals online. The EMI options are pretty flexible and the bank has given me a good limit too.
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      , new delhi
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      The credit card offers are good at SBI. The best about the card is I can use it anywhere and all my transactions goes through without any issues. There are discounts and cash back offers and there are no charges taken for the card as well. The customer services are also good.
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      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have closed the SBI gold credit card. If I use this card and spent Rs.70,000 in a year , the annual fee of Rs.500 will get waived . I was using this card from around 4 to 5 years. The customer service is Average with this card. They haven't gave any offer with SBI gold card. I was happy with the credit limit.
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      , new delhi
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am holding a SBI Credit card for two months now they have offered me the credit limit of around 62000 rupees , and the annual charges of this card is around 3000 rupees and the annual charges can be waived off if spending around three lakhs this was not informed to me earlier after receiving all this details are getting displayed
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      , new delhi
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Could provide more offers"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and from my personal experience there could be more offers and a better credit limit on the card. The customer services and response is good and the statements has always been transparent and on time to me.
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      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      Credit card offer wise SBI is good, they are giving good feature on the card. But their service is not upto the mark, because they wont response properly. Whenever I call their customer service, IVR system takes time to connect with the executive and then also won't get sufficient service. SBI needs to improve the response and communicate part.
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      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a credit card as well and the limit the bank has offered me is excellent. Though I have not explored on the card much. I am happy with the process . I got the card on time after me applying for it and they have also offered me good deals too.
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      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card is with State Bank of India. I am more than satisfied with the deals I get on the credit card and it has been perfect till date. The credit limit is also good and the bank has always been on time to send me the details and the billing dates is also convenient for me.
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      , hyderabad
      Reviewed on Aug 14, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      To reach the customer service with State bank we need to talk to IVR for a long time and it takes minimum 15 minutes time to reach the executive and After all this struggle once we reach the executive they will keep our call on hold. The customer support need to improved with SBI. I use the SBI simply save card for past 3 years. I pay the annual fee of Rs.500. I am satisfied with the credit limit but not with the service.
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      , bangalore
      Reviewed on Aug 14, 2017
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 3.0/5 "Satisfactory"
      Recently I have received Sbi simply click credit card. The response with Sbi credit card is good. They have disbursed the card within 7 days of time. This card has the annual fee Rs,500. I am not satisfied with the credit limit, still they can increase the credit limit with this SBI simply click card. The reward points , cash back offers are available with this card then I can redeem the reward points as cash.
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      , tirupati
      Reviewed on Aug 14, 2017
    Common Loader Icon

    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 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

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