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
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 2
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Need to look for customer"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one am having from the last three to four years of time. Rate of interest is huge with them and reaching out the customer service is also really a tough one. They are charging the standardized rate of interest on a monthly basis. It looks like something which is P rivaling in the market.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      With the SBI platinum credit card the interest rates is really high and the customer support is not up to the mark. I don't get any benefits with this card. I hold this card for past 3 years. The Sbi can increase the credit limit with this card. Overall I am satisfied with the service
      Was this review helpful? 0
      , jamnagar
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      It was quite good to use style credit card of State bank of India. . I don't have any charges on my statement no hidden charges anything its clear.credit limit they have offered is 35000 rupees overall experience was fine with state bank of India.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good credit card"
      0.5 3.0/5 "Satisfactory"
      Earlier I had simply save credit card now they upgraded for Platinum card. SBI simply save card has one point for 100 rupees spent. But platinum has two points for 100 rupees. If I wish. I could redeem the points into cash or voucher. Features are good with SBI credit card they got tie up with many outlets like KFC, coffee day etc.
      Was this review helpful? 0
      , narwana
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Convenient Shopping with SBI ELITE"
      0.5 5.0/5 "Blown Away!"
      Almost SBI credit card interest rate is equally good. I am holding Platinum Elite credit card it has the credit limit of Rs.2.4 lakhs. Frequently I shop with my credit card, I purchased many home appliances 65,000 CREDIT LIMIT. There is no annual charges, its a life credit limit, I got maximum cash back of Rs.65,000 which is really great.
      Was this review helpful? 1
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Its Convenient "
      0.5 3.0/5 "Satisfactory"
      I couldn't redeem SBI reward points into cash, I am using SBI credit card for past eight month, I used to get cash back in online shopping upto 10% to 15%. I am happy about it. SBI offered me good credit limit, its very much satisfied. Overall I am happy with their offers.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      When I had been offered this card, i was told it was that the credit limit would be good but the credit limit they have offered is 16k which is very low. The most important feature is on line banking with sufficient credit limit I have called the bank to increase my limit but they just said " Sorry sir no offers running now".
      Was this review helpful? 1
      , udaipur
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "The best for a credit card"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent in the services. When ever I call the customer support they respond well and on the same day they sort out what ever my clarification might be. There are reward points and I benefit a lot with this credit card when I use it online as I get 5% to 10% cash back. There is a annual fee of Rs.500 and it is waived off as my transactions crosses the specified limit. I am also happy with the online banking, because when I log in I am able see the details of my outstanding and principle and due date. I do not have to navigate much for information.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Offers has to be improvement"
      0.5 3.0/5 "Satisfactory"
      SBI interest rate is high they taking high processing fee for EMI conversion, they didn't give any another offers on the credit card. I am using SBI Simply Save credit card for past one year they offered me the credit limit of Rs. 1 lakhs its good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Good to use for railway tickets"
      0.5 5.0/5 "Blown Away!"
      I have SBI IRCTC credit card, I used to book the railway tickets with that card and I am getting good offers with good reward points. For 100 rupees spent - 1 points, last year I have accumulated and got 2000 rupees voucher for the shopping, I am very happy to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Satisfied with the process"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card at SBI is good and the best is the fast process in me getting the card. There is a annual fee of 499% and it gets waived off if I swipe my card for a certain limit. The drawback is that the credit limit was lesser than what was promised.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Its Good to hold"
      0.5 3.0/5 "Satisfactory"
      I am getting very good follow up calls from SBI on credit card reminder and they updating good offers on time. I am fine with the credit card its good credit limit. I used to get some offers in online shopping, but I am not much aware of other offers.
      Was this review helpful? 1
      , chennai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "The best in banking"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with SBI and the offers are excellent and also the credit limit as well. There are charges on the card and there is no refund as well. I am still happy with the bank as the card is accepted all over and the services are good and the statements are clear.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Under updattion"
      0.5 4.0/5 "Great!"
      Having SBI simply save card for past 2 years, Availing the benefits like reward points and the cash back offers with this card. The customer service need improvement here. I am happy with the credit limit with this card. The mobile application need to focused a lot. Overall it is an average card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "It should be transparent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI IRCTC credit card, they are giving best offer on train booking, when I book any railway ticket through my credit card, ticket cost is getting low. But I faced some issues with SBI credit ca rd, I have paid all the out standing due of my card, but SBI impacted credit score hence unable to loan from any bank. I had lot of communication with them but still it was not resolved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 4.5/5 "Excellent!"
      I am having the credit card with the SBI and I got it from them because I had the salary account with them. Customer service is good one with them and the credit limit is good one and I made it in optimized manner. Online services were good with them before but after merging , I have faced some issues with them.
      Was this review helpful? 0
      , dharapuram
      Reviewed on May 24, 2017
    Common Loader Icon

    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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