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
      "Easy to hold credit card"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with SBI. In SBI they provide lot of options to the customers. Balance transfer options available with this credit card. Even also they provide reward points and cash backs during my online purchases.There is no hidden charges with SBI.
      Was this review helpful? 0
      , delhi
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit card offers at State Bank of India is average to me. I do not get much of it and there are charges for the card. They could improve on the credit limit as well and there could be more ongoing offers. The statements are on time and it is transparent.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I had taken SBI's credit card 3 years back . They have offered platinum card and I get reward points for it.I have 24/7 helpline number and I have tried using it also.My credit limit is 70,000 which was satisfactory. My overall experience was very good.
      Was this review helpful? 0
      , faridabad
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Benefits are good"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a credit card and the deals on the card is perfect. The response is good and there are no charges taken for the card. The bank has always been transparent in the process and the credit limit they provide is really good and helpful.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Convenient for shopping and transaction"
      0.5 5.0/5 "Blown Away!"
      SBI takes high interest rate on balance transfer, yearly transaction and also in EMI conversion. But they gave me good feature on card, I could withdraw the money and also with good reward points and cash back. Everything is good but they should reduce the interest rate and charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am using SBI Credit card from the last one year of time. Offers are really good one with the SBI Credit card and their customer service is also working in good way. Online payment mode is also good one with them.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Good for all transaction"
      0.5 4.5/5 "Excellent!"
      I am having signature credit card of SBI. I could redeem the points into cash. I am keep getting cash back offers in e commerce website like Amazon, Flipkart I am using around six y ears and also they are providing fantastic credit limit I am happy with that.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      State Bank of India has offered me a credit card with a credit limit of 2.5 Lakhs. The offers are also good on the card, there are no hassles when I contact them as well. There are flexible payment features and the online banking is good to make my payments.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Best"
      0.5 3.5/5 "Pretty good"
      I am having the credit card with the SBI cards and am having it from the four to five years of time. I would like to say that the response is good one with them and the credit limit value is also a good one for me with them.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      SBI has also offered me a credit card and the offers on the card is good. The customer support is also easy to reach too and the team sorts out the clarifications. There are no charges and the credit limit is perfect and the statements are also perfect for me.
      Was this review helpful? 0
      , vapi
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      State Bank of India could provide more deals on the credit card. The customer services could be more proactive and the response as well. I do not use the card much and it is a average experience overall. To what I have used it the statements are clear.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 25, 2017
    • SBI Cards Credit Card
      "Fantastic services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India. The customer services are good and the offers are top. There are a lot of benefits on the card and the card transactions are smooth and easy. The rewards are also good and easy to redeem. It is useful.
      Was this review helpful? 0
      , kota
      Reviewed on Sep 24, 2017
    • SBI Cards Credit Card
      "Good deals"
      0.5 5.0/5 "Blown Away!"
      State Bank of India is very good in the credit card services and the bank is doing good in the credit limit and the options they have on my card. There are no technical issues while using the card. The credit limit is also good and there are no charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 24, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Using the Sbi platinum credit card for more than 3years. The customer service is good with SBI credit card department . I am satisfied with the credit limit. There is no annual fee for this card. I use this card for material purchases, online shopping and for other bill payments, and fro ticket booking. The rate of interest is nominal with SBI platinum card .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 24, 2017
    • SBI Cards Credit Card
      "Perfect in offers"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India. There are excellent options on the card like a balance transfer. There are EMI options and the other customer services are good. Just that the credit limit is low, it is of 24K. The statements are clear.
      Was this review helpful? 0
      , baddi
      Reviewed on Sep 24, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the SBI visa platinum credit card for shopping , online purchases and for other bill payments. The customer service is good with SBI credit card department. I am not satisfied with the credit limit. They need to increase the credit limit in future. The rate of interest and the charges are very high with SBI visa platinum credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 24, 2017
    • SBI Cards Credit Card
      "Excellent benefits"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has a lot of decent offers on the credit card. There is a balance transfer option and it can be done online without having to visit to contact the phone banking. The customer services are also good and there are no charges on my card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 24, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is really helpful and their executives of SBI credit is really supportive they have given me good shopping FDD card. SBI credit card provides me a valuable service for me as I got a very good rate of interest and fees and charges. I never ever had any issues with SBI and i like the services of SBI credit card and i can even suggest for my friends and relatives as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 24, 2017
    • SBI Cards Credit Card
      "Good and perfect offers "
      0.5 5.0/5 "Blown Away!"
      I also bank with State Bank of India for a credit card and the offers are good. There are a lot of benefits on the card as well. The transactions are easy and I can access my card all over online and offline. There are convenient EMI features which I can choose from.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Sep 24, 2017
    • SBI Cards Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      I am having the SBI credit card and am using it from the last four months of time. I would like to say that the response is very quick and good and the credit limit value is also more than enough for me till now.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 23, 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

    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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