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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 card.
    • 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
      "Need scope of improvement"
      0.5 3.0/5 "Satisfactory"
      SBI don't respond to the customer, when I purchase something that I used to paid the usage amount. I have been holding SBI card about one year, the card limit is satisfactory. They have good reward points for the spends I am fine with that part.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 10, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been just 15 days since i started using this card and the services which they had provided so far has been good. They had given me with a credit limit of 15,000 and there has been some benefits which i am yet to explore. There is an annual fee with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 10, 2018
    • SBI Cards Credit Card
      "Good feature credit card"
      0.5 4.5/5 "Excellent!"
      I felt sbi is good, the user limit as been increased six times, initially I started with the credit card of Rs.15,000 now it been upgraded to Rs. 8 lakhs where I am using other cards it was not much competitive, I not sure about the interest still it was nominal on credit card transactions
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      My credit card was taken with SBI , I am holding this card for past 1 year . The application is too slow even i am not happy with customer service . They offered SBI PLATINUM credit card . The services is very average . They provide satisfactory credit limit with SBI credit card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • SBI Cards Credit Card
      "Good for big bazaar shopping"
      0.5 5.0/5 "Blown Away!"
      SBI customer support is not upto to the mark, they responded to the helpline. If I call to other bank they immediately pick up in that case they need to work on it, this card is mainly for big bazaar I get more offers on it. SBI also provides cash back offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for long time, there service is not up to the mark, like i thought to stop this card, they said that for closing this card i need to pay annual fee for an whole year then i can close , so i am thinking to close or not like that whole year i need to pay annual fee and even there customer service is not good they have not properly resolve my issue, but one thing is good that with in 2 days my points getting redeem .
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been holding my credit card with Sbi, they have charged me annual fee in this card, but there is a waive off option available in this card, but i am not happy with my credit limit it is too low they have given me in this card, but the service is not that up to the mark.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding SBI credit card for long time, they have charged me annual fee in this card. but it use to get revise it like there is waived off option is available in this card, if i spend certain amount then my annual fee will get waived off, i am happy with my credit limit they have given me good limit, there service is good.
      Was this review helpful? 0
      , patna
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding SBI credit card for long time, they have charged me annual fee in this card, i have no idea about waived off option , in this card available or not i have no idea, i donâ??t use this card much and i am happy with my credit limit which they have given me in this card and there offers are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Good features"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India. I mainly use the card for grocery shopping and online shopping. The limit can be better. It is a life time free card and the statements are clear and sent to me on time. There are good deals as well on the card.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI bank credit card for a while, there service is excellent , they have charge me annual fee in this card , they have charged up to 500 rupees as an annual fee and it has been waived off and i am happy with my credit limit, and i use this bank for multiple use.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for long time, there service is not up to the mark, they have charged me annual fee in this card, and there is no waived off option available in this card, they have not given much credit limit, offers is not good.
      Was this review helpful? 1
      , lucknow
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Poor service"
      0.5 1.0/5 "Really Bad"
      I have been holding SBI credit card for long time, there service is not up o the mark, there customer service does not co-ordinate with me well and without my knowledge they have deducted and i asked for what reason they have deducted even customer service team donâ??t have proper knowledge about that and they have charged me annual fee up to 500 and there is no waived off option available in this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      SBI credit card which i am using is good i m satisfied with my credit limit which i expected i got, offer and reward which they provide is good, even benefits which i get is good even customer support is good. In short, I am very much happy with the service they provide.
      Was this review helpful? 0
      , delhi
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , i am holding this card for past 2 year . They offered SBI VISA Credit card . They also offered me a fair limit. Their customer support is also good. I make payments online which is convenient for me and never had any issues with their services.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Response should be improved"
      0.5 3.0/5 "Satisfactory"
      The credit limit is good, I have been holding FBB style up card it has annual card, I get the benefits on cash back 10% on big bazaar , the interest rate quite higher side compared to other card. I wont recommend this card, they need some improvement, when I call for any difficulties they wont respond.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Very Useful card"
      0.5 3.0/5 "Satisfactory"
      There is a annual fee of Rs. 450+Tax every year for my SBI card and it will not get waived off. They have offered me a credit limit of Rs. 50000 and I'm not satisfied with it. I have interacted with the call centre people to enhance the credit limit and they have asked me to submit the documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , The best part of SBI credit card is if i do not have saving account of this SBI then too i can use mobile banking for payment. I am holding this card for past 2.5 years . They offered SBI IRCTC credit card . I use this card for multipurpose .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI , they offered SBI FBB Credit card . They offered 19000 o credit limit which is very low i was expecting something more . The card is chargeable but they gave waive off option also . Service and process was too smooth and hassle free .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI , the card is chargeable but if i spent 100000 they will give waive off option . I ma holding this card for past 1 year . They offered SBI METRO credit card . They offered 47000 of credit limit with this card . Benefits were good reward point and cash back .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
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