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  • SBI Gold Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    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
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI SimplyCLick credit card for a while. There are no exceptional offers associated with the card. This is just like any other credit card your can find in the market. Overall I never had any issues with the card and its features.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 4.0/5 "Great!"
      They have been provided me with the good credit limit of 1.59L and all the features and benefits which they have been provided with the card had been good. There had been good reward points and cash back offers with the card too. I have been using this card for the last two months and they have giving a good customer service so far. They have been sending mails and messages about the offers and all.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 4.0/5 "Great!"
      This is the best card among all the other card which i am using. They have been providing me with very good offers in reward points and their offers are also good. It has been a better service than any other service. I have been using the card for my online purchases and for fuel as well. The credit limit which they have provided is also satisfactory. I am overall happy with all the services.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      After I filled in my details SBI SIMPLY SAVE CARD was suggested to me. I am happy with the features. The credit limit is also good. I've just started using the credit card so it is too early to write a detailed feedback about the card and their services. As of now I've never faced any difficulties with their services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      Even though the credit limit of SBI Air India Credit card is high, they are not providing any sort of reward points and cash back offers. I never had any issues with their services. I hardly use this card and this card is good for shopping and other purchases.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have got the Insta loan from the Stat bank of India within a week time. The customer support service and the response is good from the State bank of India. I got the loan amount of Rs,4,00,000 and I am satisfied with the loan amount. This loan has the tenure of 48months.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 3.0/5 "Satisfactory"
      The customer support service and the response is not up to the mark with the State bank of India. I hold the SBI Simply save credit card for more than 10 years. I cant reach the customer care easily and it takes time to reach them. The credit limit value is good with this SBI Simply save credit card.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI SimplyClick Credit card for a while, The credit limit is very good with this card. The card also has got Cash back offers and reward points. I never had any issue with their services and this is a useful card to have.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 2 years, i am happy with the credit limit in this credit card and the annual fee will be waived off based on the number of transactions done. I get good offers like reward points and redemption value is good. Net banking is easy to use in this bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding this card for the last one year, it has been an excellent service which they have been providing so far. I am happy with the credit limit which they have been providing with the card. I have been using the card for shopping and all kind of purchases and it had been providing some reward points on the few of the purchases. I have already recommended this card to couple of my friends.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The credit card service is good from the State bank of India. I have got the SBI Simply save credit card around 6months ago. The credit limit value is low with this SBI Simply save credit card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , mettur
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I got the SBI Tata Titanium credit card around 6months ago. The customer support service and the response is good from the State bank and I get better service from them. The credit limit value is low with this SBI Tata Titanium credit card and It would be good if they can increase the limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am happy with the credit limit which they have given me was good with the card. The services which they have been providing so far also had been good. I have been using the card for my travel purposes and there has been good benefits which they ahve been providing in the usage.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      The card had been provided with good features and benefits where i am satisfied with all the benefits with the card. I have been using the services for most of the purposes and it has been good so far. I have never faced any kind of issues with any of their services so far. The credit limit which they have been given with the card has been satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have been holding this card for quite a long time, i have been satisfied with all the services available with the card. They provide offers during travel and ticket booking. Their customer service had also been good so far and the credit limit which they have provided also satisfies my needs.
      Was this review helpful? 0
      , chennai
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 2 months, an annual fee of Rs 499 has to be paid every year for this credit card. I am happy with the credit limit in this credit card. I use this credit card for multipurpose and i get good offers like reward points and 10% discounts on shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2018
    • SBI Cards Credit Card
      "Poor Service"
      0.5 2.0/5 "Expected more"
      I bought the SBI SimplySave card online. They told that the Limit will be increased but it was not done which was disappointing. There are no cash back offers and the rewards are very low. This card has a very low limit and not at all useful for my large transactions.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Fbb StyleUP credit card for a while. There was no special offers ad the limit is good. I make payments online and never had any issues with their services. It is just like any other credit card there is nothing worth commendable.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The SBI Air India Platinum Credit card is very good for for flight ticket booking, the reward points can be converted into mile which can be used for ticket booking. The limit is not good as expected and which is the only drawback with the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 4.5/5 "Excellent!"
      I have chosen this card since it had been a good card to chose as well as the card had good benefits. I am happy with the credit limit which have been provided with card and also the benefits and features also are very good. It has took nearly 15 days for the card to reach me. The documentation process was quite easy and it went smooth.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 17, 2018
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