Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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
      "Annual fees is very higher and No offers "
      0.5 1.0/5 "Really Bad"
      SBI credit cards always offers a very high Interest rate . For the past 1 years , I am not getting any offers and discount in the on-line . I am somewhat okay with the credit limit . Annual fees is around 700 /- . Since , I am not getting any offers , i thought of canceling this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good shopping card "
      0.5 3.0/5 "Satisfactory"
      i am using Sbi credit card more than 8 months. The annual charges for this card is Rs. 499 if i spend some amount annual charges will get waived off.This card comes under a life time free credit card. Credit limit they given only Rs. 35000 i am not happy with the credit limit. Customer services and responsiveness is okay.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      As per my experience SBI is good, because they are considering the existing customer and they increasing the limit and also the bank feedback is very nice. I have Simply save credit card its a life time free card, but I suggest offer part should be taken care.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with State bank of India for the credit card. The customer services are good and they are responsive. They are good in the offers and the credit limit too. The statements are clear and sent on time. In all there are no hassles to use the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits should be increase for the existing customer"
      0.5 2.0/5 "Expected more"
      SBI card is there with me but no much reward points, almost I have been using this card around five years. They didn't enhance the offers or other benefits though I am an existing customer, this a life time free card. Still need improvement on the offers part.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Services need improvement "
      0.5 3.0/5 "Satisfactory"
      I am not too happy with the credit card of State Bank of India. It is not secure and there was a transaction of 8K that was made without my knowledge. I have informed the customer care and they are still working on it. They 90 days timeline is also over.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Card should be more secure"
      0.5 2.5/5 "Just OK"
      The credit limit is okay but not excellent. I bank with State Bank of India for it. The offers are also minimal. But the major drawback is the credit card is not secure and there was a fraudulent issue which had happened. The customer care was quick enough to sort out the issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      I am holding the SBI CARDS with the the service with this card is very good but the card has the charges applicable for yearly once which is 500 rupees. The credit limit with this card is good also it is user friendly to access with this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits should be increased"
      0.5 3.0/5 "Satisfactory"
      I have Tata Credit card from SBI, the limit is very excellent. They give more offers only on the Tata product, the points can redeem into any Tata outlet like tanishiq, croma, etc. Even I can accumulate the points and do other shopping. But I suggest they should give more benefits to the customer like amazon, flipkart and big bazaar.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Best shopping card"
      0.5 4.5/5 "Excellent!"
      i am holding Sbi Bank Fbb style up more than 1 year .This is a life time free credit card no annual charges no joining fees for this card . Customer service and responsiveness is okay .I uploaded all my documents online its really useful. Credit limit is really not sufficient they given Rs. 91000 if they increase it will be good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been more than five years since i am using this Credit card and the services which they had been providing so far had been good. I am happy with the credit limit with the card and there has been some better offers with the card as well. It does not have any annual charges and i have been using this card for most of my purchases.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      My experience at State Bank of India is good and there are no hassles in the process. The customer support and response is good. I bank with them for the credit card. The credit limit is satisfactory and there are annual charges for the card, it gets waived off if the card is used to a certain limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      The services of STATE BANK OF INDIA credit card was good .There is no joining fee at the time of getting the card . I do most of the transaction with this Card and never had any issues. As i take care of my payments on time this card helps me serve better. I am holding this card for past 5 month .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with limit rs -650Lack in this card . This is life time free card and cash back offer in this card everything is good of State bank of India bank and last ten years above I am using this card approximately and their customer service is provided is good and response properly
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Avearge "
      0.5 3.5/5 "Pretty good"
      i am holding SBI credit card from past 8months. My credit limit is not satisfactory, i am not aware about the annul fee . Mostly i use this card for traveling, booking flight tickets. Even the on-line facility is so smooth i never face any network issue . The customer respond is too good.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card with the SBI CARD they have given the credit card limit which is satisfactory with this card also it is user friendly to access. They provide with good offers like cash backs, online purchase offers, rewards points with this card. The customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The experience with SBI credit card was good . It has also got a very good limit. I have faced some issues with their services. The credit limit which they gave me is very satisfactory i never had any problem with their customer service .I close this card .The services are not so good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "They need improve their services"
      0.5 1.0/5 "Really Bad"
      I am not happy with the services of STATE BANK OF INDIA credit card . I have not good experience with them . On one occasion i spoke to customer executive they said me there is no annul fee but later they charge me for that which is very disappointing part . Because of that it is effecting to my credit score .
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "More than excellent"
      0.5 5.0/5 "Blown Away!"
      I use SBI Tata credit card for last 6 months. It is excellent card, main thing they have an option for balance transfer and the charges are minimal. The customer service is also up to the mark. They don't charge annual fee. I use this card for multi purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent and limit has to be enhanced"
      0.5 5.0/5 "Blown Away!"
      I am using SBI TATA Credit card for past 5 years but they have not enhanced the credit limit. It is a life time free credit card. I am using the card for multi purpose. The reward points can be redeemed to purchase any Tata products on the malls also.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
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