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SBI Gold Credit Card

SBI Gold Card

Worldwide Acceptance
Your SBI Gold Credit Card can be used in over 24 million outlets across the globe, including 3, 25,000 outlets in India. Just look for the Visa/MasterCard sign of acceptance and present your card for payment.

Credit Facility
You SBI Gold Credit Card now offers you great flexibility of payment. With the extended credit option from one of the best credit card you can plan your outstanding payments as is suitable to you. You can pay any amount from the minimum amount due to the total outstanding amount due as shown in your Monthly Statement. You can then carry forward the unpaid balance at one of the lowest finance charges available.

Cash on the go
As an SBI Cardholder, you can withdraw cash from over 1 million VISA/MasterCard ATMs (Please check the logo on the front of your card before using) across the globe, including 18,000 ATMs in India. In addition to this, you get access to over 10,000 SBI ATMs across 100 plus cities in India.

Book your railway tickets online
Now book your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your SBI Gold Credit Card. All you need to do is:
1. Register free of cost on www.irctc.co.in
2. Log-in with your username and password on www.irctc.co.in
3. Book your ticket as per instructions on the website
4. Make payment through your SBI Gold Card on the website through either of the two payment gateways which accept all MasterCards. Kindly note: All transactions on www.irctc.co.in are governed by terms & conditions of www.irctc.co.in

Add-on cards - Enhanced Power to your family
You can now conveniently take care of the needs of your loved ones. Your SBI Gold Credit Card now lets you apply for add-on cards for your spouse, parents, children or siblings above the age of 18.

Utility Bill Payment Facility
With the Easy Utility Bill Payment 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 Gold Card.

Guaranteed peace of mind
Your sense of security is our priority.SBI Card automatically gives you complete peace of mind with our SBI Card Customer Helpline and 24-hr VISA/MasterCard (Please check the logo on the front of your card before using) Global Customer Assistance Services available across the world in case of any emergency.

Balance Transfer on low interest rates
Heres your chance to save money while paying your credit card dues! SBI brings you a fast and convenient way to transfer the outstanding amount with balance transfer facility from your other card to your SBI Card at the lowest rates of Interest.

Flexipay
Flexipay, the easy installment plan from SBI Visa Credit Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest on this EMI Credit Card. All this through a simple phone call within 10 days of your purchase. Call the Helpline for details now!

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. The amount of the draft will be billed directly to your SBI Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the SBI Card helpline.

Convenience of Technology

E-statement
No postal delays. No lost statements. No late payments. Just the convenience of getting your monthly statement delivered directly to your email inbox. Giving you global access 24 hours and seven days a week.

SBI Card Alerts
SBI Card Alerts enables you to receive information regarding your credit card status, as an SMS on your mobile phone. These include Mini Statement Alerts, Cheque Alerts, Credit & Cash limit Alerts & Payment Assistance Alerts. So, no matter where you are, we will keep you informed! To subscribe to SBI Card visit us at www.sbicard.com or call your local SBI Card Customer Helpline.

SBI Card Online
Manage your SBI Card account. Whether it is checking your credit card statement online or requesting an address change, locating the nearest SBI ATM and winning exciting prizes on our special offers. It's all now click away. To get started, log on to www.sbicard.com and take advantage of these benefits.

SBI Card Drop Box Locator
Now locate the SBI Card Drop Box nearest to you. Simply
1. Type "PIN" < space > your 6 digit pin code xxxxxx
2. Send SMS to 56767
3.You will receive the list of drop boxes in your area
Yes, it's that simple!

* Premium SMS charges apply


  Fees

Joining Fee (one time)  Rs. 299
Annual Fee(p.a.)+ Rs. 299
Addon Fee(p.a.) NIL


  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
Free Credit Period  NIL
Finance Charges Upto 3.35% p.m.(40.2% p.a.) from the transaction date

  Cash Advance Fees

SBI ATMs /Other Domestic ATMs  2.5% of withdrawal amount or 300/- (WIH) per transaction
International ATMs 3% of withdrawal amount or 300/- (WIH) per transaction

  Other Charges & Fees

Protection Plus Insurance Scheme* Personal Accident (Insurer RSA) - Rs. 24 p.m.
Suraksha Plus (Insurer SBI Life) - 0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m.
Cheque Pickup Rs 90/-
Cheque Bounce/Invalid Cheque 2% of  Cheque dishonor amount (Min Rs. 350, Max Rs. 500).
Statement Retrieval Rs. 100 per Statement (> 2 months old)
Chargeslip Retrieval  Rs. 225 per Chargeslip
Late Payment NIL for Total Amount due from Rs.0-Rs.200;
Rs.100 for Total Amount due greater than Rs.200 & up to Rs.500;
Rs.200 for Total Amount due greater than Rs.500 & up to Rs.1000;
Rs.350 for Total Amount due greater than Rs.1000 & up to Rs.5000
Rs.550 for Total Amount due greater than Rs.5000 & up to Rs.10,000;
Rs.750 for Total Amount due greater than Rs.10,000;
Overlimit 2.5% of Overlimit Amount (Min. Rs. 500)
Card Replacement Rs. 100
Emergency Card Replacement (When Abroad) Actual Cost (Min. $175)
Foreign Currency Transaction Conversion mark up: 3.5%  
Card Upgrade Fee  Upto Rs. 500 
Cash OTC Fees Rs.100 +GST

  Surcharge

Railway Tickets - Railway Counters

Rs. 30 + 2.5% of transaction amount
Railway Tickets - http://www.irctc.co.in/ 1.8% of transaction amount + service charge, as applicable
Customs duty 2.25% of transaction amount (Min. Rs. 75)
Petrol & all products/services sold at petrol Pumps          2.5% of the transaction amount (Min Rs 10)

 Order of Payment Settlement

Order of Payment Settlement

Minimum Amount Due ( which is inclusive of GST + EMI on Loan plans + 5%of Total Outstanding ) , followed by Fees and other charges, Interest Charges, Balance Transfer Outstanding, Retail Outstanding and Cash Advance. 
   

# 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.  
 
Your continued use of the card will be deemed acceptance of these amendments.
 
SBI Card Helpline
From BSNL/MTNL Lines     1800 180 1290
From All Other Lines         39 02 02 02
 
All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at https://www.sbicard.com/



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