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
      "Very good card"
      0.5 4.0/5 "Great!"
      I have applied for the Simply save card with SBI. The Sbi executive came to my place and collected all the documents to process for the credit card. They have explained me about the card. I have reward point, cash back offers and other facilities with this card. I would say, It is very good card to use because many of the customers are using it and the credit limit also high when compared with other bank card. The interest rate is high when compared with other bank cards.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 28, 2017
    • SBI Cards Credit Card
      "Looking for better feature"
      0.5 2.5/5 "Just OK"
      SBI taking too many charges for the credit card, example If I have a credit limit of Rs.50, if I use upto Rs. 49,000. SBI taking some over limit charges. Many times I raised the complain to waiver off the charges its very bad. Points are good in SBI for the transaction, for every spent of 100 points, I would be getting two points.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Charges should be minimal"
      0.5 3.0/5 "Satisfactory"
      SBI charged 3000 rupees for joining for platinum credit card, but they provided 3000 cash back. I could use it in yatra.com or shopper stop. SBI customer service is good, they provide what I need but they are not proactive. They never call to the customer to inform about new offers. SBI payment gate is very difficult, last month I paid NEFT payment on last day, it got reflected after 2 days for that SBI charged around Rs.2400 on my bill.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      There is a balance transfer feature on my SBI credit card and that benefit what they provide is also good. There is a processing fee of Rs. 450 for every 30K. The statements are on time and there is a annual charges of 499. The offers and credit limit is provided by them is good and it is very much satisfactory too.
      Was this review helpful? 0
      , faizabad
      Reviewed on Jun 25, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding this SBI credit card for more than three years of time and the credit limit value is also a good one . Response is also a good one till now and the offers are not really good one with them also I would like to say it is not an attractive one.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I would like to say SBI credit card is the best one for me because they have provided me with the lot of option and benefits to the customer. Its an excellent credit card and they have provided the ccredit limit value ,which is also a good one for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent on the credit card, there are EMI facilities which are very convenient as there are a lot of flexible options. The customer support is good and the credit limit is good on my card. My card is accepted all over online and offline.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
      Was this review helpful? 2
      , chennai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Be more proactive"
      0.5 4.0/5 "Great!"
      I hold a credit card of State bank of India and there are offers on the card but they also charge me very high . I do not get any waiver on the charges as well. The are no coupons for it too. The services also need improvement, they need to be more quick too when it comes to service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Scope for improvement"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one, am using from the last two years of time. Credit limit value could be get improvised like its really not beneficial for me. Whole scenario was not really made me to get satisfied about the process, also they used to take much time to resolve any issues.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I availed chargeable credit card from State bank of India. The annual charges are 500 rupees. Also the credit limit offered by the bank is pretty good and satisfactory according to the requirement. I do receive reward points and cash back offers from the bank.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Convenient to Use"
      0.5 5.0/5 "Blown Away!"
      The annual charges for the SBI card is 500 rupees. I use this card for shopping and entertainment. The credit limit is not much satisfactory. I never faced any issues with the bank in terms of the credit card usage. The bank is prompt in providing reward points on my card.
      Was this review helpful? 0
      , indore
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      SBI has been very much responsive after I applied for a credit card. They were calling me on time and collected my details as well. The process is on and I am happy that they value a customer and are showing interest in the application. Overall it has been a nice experience with this bank.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good pocket money card"
      0.5 4.0/5 "Great!"
      I got SBI simply save credit card, they have provided only Rs.21,000 as credit limit. But it is fine for basic needs and at the time of my SBI credit card activation, I got 2000 reward points its good. SBI giving some cash back offers for online shopping.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for past one and a half years. The credit limit offered by the bank is satisfactory. SBI offered a life time free credit card which is very comfortable for the usage. I do have reward points and cash back offers on my credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      I received life time free credit card from State bank of India. When it comes to credit limit, earlier I was not happy but nowadays I hold other bank credit card so I do not have any issues with the credit limit offered by SBI. I am quite happy with the services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Looking for better service"
      0.5 3.0/5 "Satisfactory"
      SBI is not offering anything and not easy to contact their staff for any queries. All service of SBI is complicated to use. They should improve on their service part and response part. SBI credit limit is good, they offered Rs. 60,000. I am using it for two years.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I would like to say SBI credit card because their process is very smooth, also there is no specific hidden charges with them. I had been with them from the last five to six years of time. My payments are really on time, so I have not faced any troubles with them till date.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Good Process"
      0.5 5.0/5 "Blown Away!"
      State bank of India voluntarily offered credit card for me. I had received a call from SBI once and they inquired whether I have credit card with any other bank, post which they immediately offered the card based on my other bank card. The limit is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 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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