Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI Gold Credit Card

    Enjoy the freedom that comes with one-tap payments internationally with your SBI Gold credit card. Avail flexible repayment rates with the easyEMI facility for your travel and lifestyle purchases. Enjoy a low interest rate on balance transfers from other credit cards to your SBI Gold credit card. Book your rail tickets and enjoy doorstep delivery.

    Benefits and Features 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.
    • Schedule utility bill payments like electricity bill, insurance premium, etc.on your card and never miss a payment.
    • Pay securely with your card courtesy encrypted passwords and get instant alerts each time you swipe.
    • 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.
    • With the Flexipay facility on your card, convert your purchases into easily payable instalments 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 of the SBI Gold Credit Card

    Facility Fees
    Joining fee Rs.299
    Renewal fee Rs.299
    Add-on card Free
    Finance charges Up to 3.35% per month
    Cash advance (domestic ATMs) 2.5% of the amount withdrawn or a minimum of Rs.300
    Cheque pickup Rs.90
    Statement retrieval Rs.100
    Late payment fee
    • If total amount due is between Rs.0 and Rs.200 – NIL
    • Rs.201 and Rs.500 – Rs.100
    • Rs.501 and Rs.1,000 – Rs.400
    • Rs.1,001 and Rs.10,000 – Rs.600
    • Rs.10,001 and Rs.25,000 – Rs.800
    • Rs.25,001 and above – Rs.950

    Eligibility and Documentation of SBI Gold Credit Card

    • Primary applicant should be above 21 years of age.
    • Supplementary/add-on applicants should be above 18 years of age.
    • Other conditions as set by the bank from time to time.

    FAQs on SBI Gold Credit Card

    1. Is there an interest free credit period available with this 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 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 the transaction amount. For online tickets booked through the official website (, the surcharge levied is 1.8% of transaction amount excluding applicable taxes.


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