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

    • SBI Cards Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and I am satisfied with the deals I get on my card. There are no charges and the offers that I get online is really good. There are cash back offers and the rewards are also satisfactory. The credit limit is also up to the mark.
      Was this review helpful? 0
      , guntur
      Reviewed on Jul 25, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I am having SBI credit card from the last six to seven months of time. Response is fine one for me till now. Customer service aspects are also good one with them till now . Credit limit value is not really a good one with them. Payment modes are flexible one with the SBI credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 24, 2017
    • SBI Cards Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent on the credit card offers. They have offered me a life time free card and the credit limit is about a lakh and more. The best I prefer about the card is the balance transfer option, it is convenient and useful to me. I get a lot of deals online for this bank.
      Was this review helpful? 0
      , indore
      Reviewed on Jul 23, 2017
    • SBI Cards Credit Card
      "High on charges after GST"
      0.5 3.0/5 "Satisfactory"
      SBI has been charging me a lot after GST and I am no more interested to use the credit card any more. The offers are there on the card and the bank has offered me a credit limit which I am satisfied about too. The charge is the main thing that matters.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 23, 2017
    • SBI Cards Credit Card
      "Very good services & offers"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a gold credit card. The speciality about the card is there are no annual charges and the next is the rewards. The points I earn on the transactions can be redeemed online for shopping. The customer services are good and I am very much comfortable with the billing too.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 23, 2017
    • SBI Cards Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I availed credit card from State bank of India. The bank offered chargeable card along with the good credit limit. Even I am getting reward points and cash back offers on my card. There was no issues with the bank for the card which I hold. Overall service is good.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • SBI Cards Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      I hold chargeable credit card with State bank of India. The annual fee is around 499 I believe. I am happy with the credit limit offered by the bank. Also they are giving reward points and cash back offers on my card. So it is very much comfortable to use.
      Was this review helpful? 1
      , bhopal
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      SBI credit card has all kind of benefits, good to get an card which is helpful and highly beneficial. SBI credit card is high in reward points, the credit limit they have offered is very best 1.5 lakhs and its chargeable card of 500 and the card is really good for all kinds of needs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Convenient Credit Card"
      0.5 4.0/5 "Great!"
      I have IRCTC credit card from SBI, I didn't get any offers from them in term of reward points or cash backs. But the Credit limit offered by them is very much satisfactory. SBI IVR system is not upto the mark, I can't reach the executives immediately to resolve my queries.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      For the past one year, I am using SBI cards. The one I hold with SBI is a life time free card. The credit limit is pretty good and I do not have any issues with the bank for the credit card. I am more comfortable with the card and the services are pretty good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      State bank of India offered life time free credit card. I do have savings account with the same bank. The bank is good in customer service and response. I am more comfortable with the bank and I do not have any problem with the bank for the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "The best on credit card"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a Master Credit card and I paid a joining fee of 499. There are annual charges of 499 as well. But I get a lot of cash back offers. If I spend Rs. 1000 online for shopping, I would get back a10% as cash back. There is a cash back on groceries too. For every 100 spent, I would get 4 points and I can redeem those points to pay my bill. The credit limit is good and there are other benefits like a loan on card, balance transfer and the EMI options too.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      State bank of India offered a life time free credit card for me. I already holding savings account with the bank. The credit limit is quite good and I do not have any issues with the bank for the credit card. I am getting reward points and cash back offers on the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am holding a SBI platinum credit card for more than a year. The customer service and the response was good with SBI. This card has good benefits, but I never utilized the benefits. The rate of interest is high when compared with others. I am not happy about the credit limit, still they can increase the credit limit in future. I am happy to use this platinum card with SBI.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "King in collecting interest rate"
      0.5 1.0/5 "Really Bad"
      I was offered a credit limit of Rs.79,000 on my SBI credit card its pretty good to use, but I am not fine with their service. If I have any queries related to the credit card I have to call their customer service, even if I call them I dont get any kind of response from them either. Interest rate was also very high for all transactions and they won't give clear information about the charges too.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "They should reduce the annual charges"
      0.5 4.0/5 "Great!"
      SBI given good credit limit with flexi pay option. I could convert the purchase amount into an EMI and also with balance transfer option. Other than that SBI giving good reward points for all transaction, One draw back on my SBI credit card, they are charging around 35% per annum as the interest rate on the outstanding principle amount.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am having platinum card with Sbi for past 2 years. This card is used to purchases, grocery and fuel purposes. I am happy with the credit limit with this platinum card. The customer service and the response is good. The rate of interest with this card is average. I am satisfied to use this platinum card of SBI.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The credit card at SBI bank has a good network as I can use the card everywhere. I have not had any issues till date. The offers are excellent on the card and I am also happy with the credit card limit. I have just opted this card ans since Iam a TATA employee they have offered me this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I was given a simple save card by State Bank of India. They provide good offers and they are awesome in terms of customer service. The response is really good from the bank whenever I reach them the credit limit they have offered is 50000 rupees and annual charge of this card is 500/-
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 09, 2017
    • SBI Cards Credit Card
      "Very Good service"
      0.5 4.0/5 "Great!"
      I am satisfied with the overall service with the State bank of India Credit card i am using this service for about a year now and I get normal benefits and reward points, the credit limit they have offered is 48000 rupees and its a life time free card
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 09, 2017
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    South Indian Bank SBI Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    South Indian Bank SBI Platinum Credit Card is a global card that offers amazing benefits to the cardholders. This card has some very attractive features which includes instalment payments, instant cash, renewal gift, easy bill payment facility, etc.

    Key Points:

    • Rs.3,000 worth welcome e-Gift voucher.
    • 5x Reward Points on all grocery, dining, international and departmental spends.
    • 2 Reward Points on spends of every Rs.100.
    • Access to Airport Lounges.
    • Access to golf courses.

    Benefits:

    • When you apply for a South Indian Bank SBI Platinum Credit Card, you will get Rs.3,000 worth e-Gift voucher from one of the following companies within 15 working days:
      • Marks & Spencer.
      • Westside.
      • Hush Puppies or Bata.
      • Yatra.
      • Shoppers Stop.
    • Avail 5x Reward Points on all grocery, international, dining and departmental spends. Get 2 Reward Points for every Rs.100 that you spend using this card on other categories. The 5x points offer will allow you to earn up to 40,000 points in a year.
    • Spend Rs.4 lakhs and Rs.5 Lakhs annually using this card to earn 10x spend rewards.
    • Cardholders can get free membership to the Priority Pass program that is worth $99.
    • The Visa Airport Lounge Access program allows cardholders to enjoy complimentary access to airport lounges all over the world. A usage fee of just $27 is charged to your card when you visit any lounge.

    Features:

    • Spend more than Rs.2 lakhs in a year using your South Indian Bank SBI Platinum Credit Card to receive vouchers worth Rs.3,000 as renewal gift. The voucher can be redeemed at any partner stores.
    • Using this card, you can withdraw cash from Visa ATMs around the world.
    • Access over 300 golf courses around the world and also avail a discount of 30% on the green fee when you pay using this card.
    • You can manage your South Indian Bank SBI Platinum Credit Card account easily online.
    • Enjoy 2.5% fuel surcharge waiver when you spend between Rs.500 and Rs.4,000 on fuel using this card.
    • Use this card’s Easy Bill Pay Facility to pay all your utility bills such as telephone bills, insurance, electricity bills, etc. online. You can also provide standing instructions to the bank and your bills will be automatically paid every month.
    • Convert your South Indian Bank SBI Platinum Credit Card transactions into instalment payment plans easily using the Flexipay feature. You can contact the SBI Card Helpline number to select a plan that best suits your requirements.
    • Cardholders can use the Balance Transfer on EMI facility of the card to transfer the outstanding balance of their other bank’s credit cards to their South Indian Bank SBI Platinum Credit Card. They can pay return the amount in instalments and also avail very low rates of interest.
    • Cardholders can easily get money through this card by using the Easy Money Facility. This facility allows card members to get a cheque or draft against their cash limit. This draft or cheque will be delivered by the bank to the address of the customers.
    • Cardholders can use this card to book railway tickets online.
    • The South Indian Bank SBI Platinum Credit Card is accepted by more than 2 million Visa outlets in the world.
    • Cardholders can apply for add-on cards for their parents, spouse, children or siblings. The minimum age requirement for add-on cards is 18 years.
    • Cardholders can replace their South Indian Bank SBI Platinum Credit Card in any part of the world. They can contact on the 24x7 helpline number to avail the emergency card replacement service.

    Fees and Charges:

    Type of Fees and Charges Amount
    Add-on Card Fee NIL
    Annual Fee Rs.2,999
    Renewal fee Rs.2,999
    Limit on Cash Advance Up to 80% of the credit limit (Maximum Rs.15,000 each day)
    Interest free credit period 25 to 50 days
    Finance charge 3.35% every month
    Cash Advance fee International ATMs – 3% of the amount transacted (Minimum – Rs.300) SBI ATM or Other ATM – 2.5% of the amount transacted (Minimum - Rs.300)
    Minimum amount due 5% of the total outstanding balance
    Charge slip retrieval fee Rs.225 for each charge slip
    Cheque pick up fee Rs.90
    Payment Dishonour Fee 2% of the payment amount (Minimum – Rs.350)
    Overlimit fee 2.5% of the overlimit amount (Minimum – Rs.500)
    Statement retrieval fee Rs.100 for each statement (if the statement is at least 2 months old)
    Emergency card replacement fee (when out of India) NIL
    Late payment fee If the total amount due ranges from Rs.0 to Rs.200, then no fee is charged
    If the total amount due is more than Rs.200 and up to Rs.500, then Rs.100 is charged
    If the total amount due is more than Rs.500 and up to Rs.1,000, then Rs.400 is charged
    If the total amount due is more than Rs.1,000 and up to Rs.10,000, then Rs.500 is charged
    If the total amount due is more than Rs.10,000, then Rs.750 is charged
    Fee for transaction in foreign currency Conversion mark up - 3.5%
    Card replacement fee Rs.100
    Fee for redemption of rewards Up to Rs.99
    Fee for cash payment Rs.100
    Surcharge on railway tickets purchased at railway counters Rs.30 plus 2.5% of the amount transacted
    Surcharge on railway tickets purchased on the website of IRCTC 1.8% of the amount transacted plus service charge
    Maximum fuel surcharge waiver Rs.250 per statement cycle for each credit card account

    The rates/fees & charges may be changed at the discretion of the bank.

    How to Apply?

    To apply for a South Indian Bank SBI Platinum Credit Card, you have to visit the nearest branch of South Indian Bank.

    FAQs:

    1. What to do if I want more details about South Indian Bank SBI Platinum Credit Card?

      To get more details about South Indian Bank SBI Platinum Credit Card, you can visit the website of SBI Card. You can also contact on the helpline number or visit any branch of the bank.

    2. How do I redeem my Reward Points?

      You can redeem your Reward Points online on the SBI Card website. You can select the products or services against which you want to redeem your points. There are multiple categories such as Travel & Holiday, Luxury, Lifestyle, Accessories, Books & Periodicals, etc.

    3. How I redeem the vouchers?

      You can redeem most of the vouchers by showing the code at the merchant stores. In case of vouchers of online websites like Yatra, you have to redeem the code online at the time of billing for purchases made on the website.

    4. How can I convert my transaction into Flexipay instalment plan?

      To convert your transaction into Flexipay instalment plan, you have to request the bank to initiate the service for the particular transaction. To make the request, you have to contact on the SBI Card Helpline number within 30 days of the purchase.

    5. Can I track the application status of my South Indian Bank SBI Platinum Credit Card online?

      Yes, you can track the application status of your South Indian Bank SBI Platinum Credit Card online on the SBI Card website.

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