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SBI Gold Card

A Life without worries

Presenting SBI Gold Credit Card


    • Joining fee : Rs. 299
    • Annual fee : Rs. 299

Privileges on SBI Gold Credit Card

Know about the privileges on your SBI Gold Credit Card

Worldwide Acceptance

Worldwide Acceptance

  • Your SBI Gold Credit Card is an international credit card and is accepted in over 2 million Visa outlets worldwide and over 2,85,000 outlets in India
Cash On The Go

Cash on the Go

  • Withdraw cash from over 1 million Visa ATMs across the globe

SBI Gold Credit Card Features

Know everything about your SBI Gold Credit Card

  • Add-on Cards
    • With SBI Gold Credit Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Utility Bill Payment Facility
    • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your card
    • Click here to know more
  • Balance Transfer on EMI
    • Save money while paying your credit card dues
    • Transfer the outstanding balance of other banks’ credit cards to your SBI Gold Credit Card, and avail a lower rate of interest and pay back in EMIs
    • Log on to with your user ID and password to take benefit of this service
    • Click here to know more about Balance Transfer on EMI
  • Flexipay
    • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your SBI Gold Credit Card, and log on to within 30 days of purchase to convert it into Flexipay
    • Click here to learn how to apply for Flexipay
  • Easy Money
    • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
    • Log on to to book Easy Money
  • Online Booking of Railway Tickets
    • You can book your railway tickets online and get them delivered at your doorstep
    • Go to and follow the below steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your SBI Card at the payment gateways that accepts all Visa cards
      All transactions on are governed by the terms and conditions of
  • SBI Card Drop Box Locater
    • Locate the SBI Card drop box nearest to you. Follow these steps:
      • Type "PIN" < space > your 6 digit pin code xxxxxx
      • Send SMS to 56767
      • You will receive the list of drop boxes in your area
  • Fees
      • Joining fee: Rs. 299
      • Annual fee, per annum : Rs. 299
      • Add-on fee, per annum: Nil
  • Cash Advance
      • Cash advance limit: Up to 80% of credit limit with a maximum of Rs. 12,000 per day
      • Free credit period: Nil
      • Finance charges# : Up to 3.35% per month accounting to 40.2% per annum from the transaction date
  • Extended Credit
      • Interest free credit period: 20-50 days, only for retail purchases, if previous months outstanding balance is paid in full
      • Finance charges#: Up to 3.35% per month accounting to 40.2% per annum, from the transaction date
      • Minimum amount due: 5% of total outstanding with a minimum of Rs. 200 + GST + EMI in case of loans
  • Cash Advance Fees
      • SBI ATMs /other domestic ATMs: 2.5% of withdrawal amount or Rs. 300, whichever is higher, per transaction
      • International ATMs: 3% of withdrawal amount or Rs. 300, whichever is higher, per transaction
  • Other Charges
      • Cheque pickup: Rs. 90/-
      • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 350
      • Statement retrieval: Rs. 100 per statement, only for statements more than 2 months old
      • Charge slip retrieval: Rs. 225 per charge slip
      • Late payment:
        • Nil for total amount due from Rs. 0 to Rs. 200
        • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
        • Rs. 400 for total amount due greater than Rs. 500 and up to Rs. 1,000
        • Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
        • Rs. 750 for total amount due greater than Rs. 10,000
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost, minimum of $175)
      • Foreign currency transaction conversion mark up: 3.5%
      • Cash OTC fees: Rs. 100
  • Surcharge
      • Railway tickets – Railway counter: Rs. 30 + 2.5% of transaction amount
      • Railway tickets - : 1.8% of transaction amount + service charge, as applicable
      • Customs duty: 2.25% of transaction amount, with a minimum of Rs. 75
      • Petrol and all products or services sold at petrol pumps: 2.5% of the transaction amount, with a minimum of Rs. 10

      #Card finance charge is dynamic and will be based on the cardholder’s usage and payment patterns. It is subject to periodic review.

      *Nil on Cash advance.
      **Insurance is optional and a subject matter of solicitation.

  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or 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.

      For assistance, please call SBI Card helpline at:

      From BSNL/MTNL numbers    1800 180 1290

      From all other numbers    39 02 02 02
      Prefix your STD code if you use your mobile phone.

      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

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