Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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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.
    • 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 card to use"
      0.5 5.0/5 "Blown Away!"
      I have been offered a credit card from State Bank of India as I'm a very long time customer with them. I have been using this State Bank of India Visa Credit card for around 1 year and everything is fine this credit card. I use this credit card for shopping, movies, dining, fuels etc. Cash back and rewards are good. There is no annual fees applied to this credit card.
      Was this review helpful? 0
      , bikaner
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      I hold the Sbi simply save credit card for past 1 year. I use this card for shopping, online purchases, and for bill payments. I am satisfied with the credit limit. There is annual fee of Rs,499 I pay towards this card. I am happy using the SBI simply save card.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The SBI gold credit card has been used by me for more than 4 years. I use this card for shopping, household items, purchases and for bill payments. I am satisfied with the credit limit. There is no annual fee with this card. The rate of interest is high with SBI credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good for shopping offline and online"
      0.5 4.5/5 "Excellent!"
      SBI interest rate was very high, if some time I miss the payment they charge me very high and they have an annual charges around Rs.500 but they give coupons for that same amount. I generally get discount on big bazaar products, even they give upto 10% flat discounts.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "New card, require little more time"
      0.5 4.0/5 "Great!"
      I got SBI Platinum Card couple of months back and found the experience to be decent. Eventhough I have used the card much, I felt the process for taking the card was short and crisp. Generally I have a good impression about the State Bank of India's credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good offers "
      0.5 3.0/5 "Satisfactory"
      I hold a SBI credit card with a limit of 1.30 lakhs I have been using the card for more than two yearsIs a zero fees card.Best cash back offers are given for online shopping up to 5-10%.i got an offer to upgrade my card however am happy with the current limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good services"
      0.5 3.0/5 "Satisfactory"
      The offers on the credit card with State Bank of India is good. There are flexible EMI options as well and there are a lot of deals online where I can select the product and convert to the EMI too. The customer care is good I am able to reach them at times.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Easy to get options and get good bonus points"
      0.5 5.0/5 "Blown Away!"
      Love to use my SBI credit card at online stores. As, I used to get wonderful discounts at all e- commerce sites. In addition to that, I get some reward points too . I get somes discount at Amazon but it varies accordingly. In addition to that, they provide seasonable offer too. Name of the SBI credit card is SIMPLY SAVED credit card.
      Was this review helpful? 0
      , vapi
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      As I hold my salary account with State Bank of India for a very long time which is around 14 years they offered me a credit card which I accepted it and using it now. I have been using this card for the past 1 year only. This card is not very useful to me. There is no annual fee for this credit card. I use this credit card for online shopping.
      Was this review helpful? 0
      , pathankot
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Features are good. But high on charges"
      0.5 4.0/5 "Great!"
      SBI credit card is good and there are a lot of decent deals on it. The card has good benefits and the credit limit is also excellent. I am able to access my card all over. But the interest rate and charges is on the higher side. They could improve on that.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Convenient for shopping"
      0.5 4.0/5 "Great!"
      I am using SBI International master credit card it has some annual fee around Rs.500, to compromise that fee, they are providing some offers but I haven't utilize it. SBI gave me lower credit limit hence I am looking for an enhancement, I am using it around a year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has been excellent in their credit card features. They have vouchers and they also provide flexible EMI options. The credit limit is good and the card is accessible everywhere and it has a lot of offers on various portals.
      Was this review helpful? 0
      , aurangabad
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Charges is decent"
      0.5 4.5/5 "Excellent!"
      I actually applied for IRCTC card, but got the SBI Air India Platinum card. Anyways apart from that I felt the card to be very useful and felt the charges applied is pretty decent. I only wish the Bank to improve a little all over, apart from that I am happy with the overall usage of this card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has been really good on the credit card services. They provide reward points and one can redeem it to cash where they can use it to pay the bills or do anything that is useful for them. The response is also good from them, they respond well and quick.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I got my another credit card with State Bank of India apart from my Coral Master credit card with ICICI Bank. Compared to my ICICI Bank Coral credit card my SBI Advantage Platinum credit card has a very good credit limit. There are no annual charges which is applicable on my credit card.
      Was this review helpful? 0
      , pondicherry
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Experience is ok"
      0.5 2.5/5 "Just OK"
      I felt the experience with the State Bank of India to be ok, and found the card to be an alright addition to your finance. The only reason I felt so, was that the charges are a little high and I felt a little disappointed because of it. Compared to other cards I have this is my least preferable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good service "
      0.5 4.0/5 "Great!"
      I hold SBI prime card for last one year with a limit of 63 thousand I don't wish to upgrade my card or reduce the limit am happy with the current limit.standard 5% cash back is given for both offline and online purchase.No technical issues faced so far.
      Was this review helpful? 0
      , jaipur
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am using a STATE BANK OF INDIA credit card, in short I would say that the service offered by SBI was very good. Further, the customer service staffs are excellent in providing service also I use to get good offers from SBI I would say the service of STATE BANK OF INDIA is excellent in all.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good service "
      0.5 5.0/5 "Blown Away!"
      I hold a SBI credit card with a good limit of 1.50 lakhs.I have been using the card for last six months.No hidden or financial charges levied on the customers account,no restriction are given for the purchase at the outlet or online shopping.I get an easy EMI option at a low rate of interest at 14%.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I gold the SBI gold and more credit card for past 3years. The customer service is good with SBI credit cad department. I use this card for online shopping, and fro bill payments and for other usages. I am satisfied with the credit limit. There is annual fee of Rs,499 plus charges .
      Was this review helpful? 0
      , greater noida
      Reviewed on Oct 15, 2017
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