SBI Gold Credit Cards | Features | Fees and Charges | Information
SBI Gold Credit Card: Know More about SBI gold credit cards Features, Fees and Charges and best offers and benefits.
Check Features and Benefits of SBI Gold Credit Card:
Exclusive Offers
- Cash Back in Departmental Stores & Groceries – Be it the plush Departmental store or a humble grocery, if they accept credit cards get a 2% Cash Back. No questions asked.
- Reward Points – The most powerful rewards programme makes shopping on your SBI Gold & More Card even better. Earn one reward point on every Rs. 75 spent on your SBI Gold & More Card on all merchants other than departmental stores and groceries, and redeem these reward points against a host of Rewards
- Credit facility – Your SBI Card offers great flexibility of payment. With the extended credit option, you can plan your payments against your outstanding. You can pay any amount from the minimum amount due to the total amount due outstanding as shown in your Monthly Statement. You can then carry forward the unpaid balance at one of the lowest finance charges available.
- Enhanced Power to your family – You can share the power of your SBI Card with your family, by applying for add-on cards for your spouse, children, siblings over 18 years and parents.
- 0% Fuel Surcharge – Your SBI Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your SBI Card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge.
- Book your railway tickets online – SBI Card offers you the unique convenience of booking your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your SBI Card.
- Utility Bill Payment Facility – With the Easy Bill Pay facility from SBI Card you can be rest assured you will never ever forget paying your utility bills on time. All your utility bills like electricity, insurance, telephone will get paid before the due date with this facility from SBI Card.
- Balance Transfer – You can now enjoy high savings with our low interest rate. Just transfer the balances from any of your other Credit Card to your SBI Card and enjoy Balance Transfer Plans as suited to your financial needs & avail of a low-rate of interest.
- Flexipay – Flexipay, the easy installment plan from SBI Card lets you buy just about anything and repay in easy monthly installments.
- Easy Money Facility – Now you can order a bank draft any time by just making a local phone call to the SBI Card Customer Helpline.
Fees and Charges of SBI Gold Credit Card:
Fees
| Joining Fee (One time) | Upto Rs. 500 |
| Annual Fee (p.a.) | Upto Rs. 500 |
| Add-on Fee (p.a.) | Upto Rs. 500 |
Extended Credit
| Interest Free Credit Period | 20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full) |
| Finance charges | Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
| Minimum Amount Due | 5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax |
Cash Advance
| Cash Advance Limit | Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards ) |
| Free Credit Period | Nil |
| Finance charges | Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
Cash Advance Fees and Surcharges
| SBI ATMs | 2.5% (Min.Rs.275) |
| International ATMs | 3.0% (Min.Rs.275) |
| Railway Tickets – Railway Counters | Rs. 30 + 2.5% of transaction amount |
| Customs duty | 2.25% of transaction amount (Min. Rs. 75) |
Other Available Products From SBI:-
credit card finance charge is dynamic and will be based on the cardholder’s usage and payment patterns and is subject to periodic review
* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques / drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.
SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290 / 1860 180 1290
From All Other Lines 39 02 02 02
