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| CREDIT CARD DETAIL |
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| Card Highlights |
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| Card Class |
Gold |
| Card Type |
Premium |
| Issuer |
State Bank of India |
| Offered Type |
Visa |
| Rewards |
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Main Features
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- Gold Select Privileges
- Balance Transfer Facility
- Flexipay
- Lost card protection
- Interest Free Credit for up to 50 days
- Teledraft Facility
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 Credit Card Rates
Credit Card Rates
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| Purchases: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
3.1% per month |
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| Balance Transfers: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
3 month |
| Interest Rate |
3.1% per month
Min.: Rs 5000 per month (The amount transferred should be a minimum of Rs 5,000 or upto a maximum of 75% of your available credit limit on the SBI Credit Card, whichever is higher.
You could chose between two different plans to pay back your balance.
Plan 1 offers 0% interest for 90 days.
Plan 2 offers 0.99% interest for the first 6 months.
Fee of Rs. 199 will be applicable for every Balance Transfer. Service tax extra, if applicable.
Processing Fee would be charged as applicable.} |
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Fees & charges
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Fees & charges
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| Joining Fee |
Upto: Rs. 1500/- |
| Annual Fee |
Upto: Rs. 1500/- |
| Add On Card Fee |
Up to Rs: 500/- |
| Cash Advance Limit |
Upto 80% of Credit Limit (subject to a max. of 12K per day, 15K per day for Gold Cards) |
| Finance charges on cash advances /extended credit |
Upto 2.99% per month (35.88% per annum) from the transaction date, Upto 3.10% per month (37.2% per annum) from the transaction date |
| Late Payment |
30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600) |
| Free Credit Period |
Min.: 15 days Max.: 50 days |
| Minimum Amount Due |
5% of outstanding balance or Rs. 200, whichever is higher |
| Limited Lost Card Liability |
Zero lost card liability. |
| Over Limit Charges |
2.5% of Overlimit Amount (Min. Rs. 300 & Max. Rs. 500),2.5% of Overlimit Amount or Rs 500 whichever is high |
| Cheque Pickup Fee |
Rs 45 |
| Cheque Bounce Fee |
2.5% of cheque amount (Min Rs 300, Max Rs 500) 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Invalid Cheque Fee |
2% of Cheque Amount (Min. Rs. 250 & Max. Rs. 500),2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Non-Bank ATM Access / Balance Enquiry Charges |
SBI ATMs & SBI Card CashPoints - 2.5% or Rs. 200 whichever is higher
Other Domestic ATMs - 2.5% or Rs. 250 whichever is higher
International ATMs - 3.0% or Rs. 250 whichever is higher
ATM Decline Fee - Rs. 20 |
| Dial a Draft Fee |
Min.: Rs 199 |
| Duplicate Statement Request Charges |
Rs 100 |
| Replacement Card Charges |
Rs 100 |
| Charge Slip Request |
Rs. 125 per chargeslip |
| Air/Railway Booking Comment |
Rs. 30 + 2.5% of Transaction amount |
| Fuel Surcharge |
Min.: Rs 400 |
| Foreign Currency Transaction Charges |
3.5%, Not Applicable for SBI Gold MasterCard |
| Service Tax |
12.36% |
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Rewards & Benefits
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Rewards & Benefits
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| Earn 1 power point on every Rs. 40/- spent on your SBI Gold Card. You also earn double power points on International Spends. These power points can be redeemed against superb benefits like fee savings, gift vouchers and an array of attractive gifts. |
| For more info. |
Click Here |
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Airline
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Airline:
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| Bookings Agent |
Carlson Wagonlit Travel |
| Airline Travel Benefits |
Get a flat 25% cashback on all Indian Flights bookings. Any sector, Any Class, All timings, No catches!
Get a flat 12% cashback on all domestic hotels & holidays too.
Hurry this offer is valid for travel bookings made till September 30, 2007 for any date of travel of your choice, subject to availability. |
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Services & Features
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Services & Features
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General Features:
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| Photo Option |
No |
| Add On Card |
Yes |
| Internet Web Based Access |
Yes |
| Coverage |
International |
| Concierge Service |
No |
| Invitation to Special Events |
No |
| Road Assistance |
No |
| Forex & Travel Cheque Services |
No |
| Access to 24-Hour Customer Care Centre |
Yes |
| Personal Loan Facility |
No |
| EMI on Call Facility |
No |
| Dial a Draft Facility |
Yes |
| Rewards Programme |
Yes |
| Global Emergency Assistance Service |
Yes |
| No. of ATMs (Global) |
24 million VISA outlets |
| No. of ATMs (India) |
110,000 VISA outlets |
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Insurance:
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| Other Accident |
ProtectionPlus is an Insurance cover to provide you complete protection through:
1. Personal Accident Insurance: Enhances the Free Accident cover by an additional Rs. 6 lacs in case of Accidental Death or Disability for as little as Rs. 24 per month! A discount of more than 55%. |
| Purchase Protection |
Get insurance of up to Rs 50000 on purchases with your card like refrigerators, televisions, washing machines and personal items such as watches, jewellery, etc. against theft/burglary and fire within your residence premises, for 90 days from the date of purchase |
| Hospitalization Benefits |
No |
| Credit Shield |
Protects the outstanding on your card, for a maximum of Rs. 1 lac, in the event of Death or Disability (due to any cause)...for a premium as low as 0.1% (i.e. Re.1 for every Rs. 1,000) of the outstanding on your card. All this at a nominal Administration charge of Rs. 18 pm, which gives you hassle free automatic renewals every month. |
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Special Offers
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Special Offers |
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Eligibility Criteria
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Eligibility Criteria
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Salaried
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Salaried:
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| Annual Income |
Rs 225000.00 |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
If Income > Rs.1,20,000 pa
Latest IT return OR
Latest Form 16 OR
Latest salary slip
If Income < Rs.1,20,000 pa
Latest IT return OR
Latest Form 16 OR
Latest salary slip AND Copy of bank statement/Updated passbook, showing transactions for the last 6 months |
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Self Employed
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Self Employed:
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| Annual Income |
Rs 150000.00 |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
Latest Personal IT return AND
Copy of bank statement/Updated passbook, showing transactions for the last 6 months. |
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Retired Pensioners
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Retired Pensioners:
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| Annual Income |
Rs 225000.00 |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
Latest pension certificate OR
Latest Personal IT return OR
Copy of bank statement/updated passbook, showing last 3 pension credits |
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Terms & Conditions
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Terms & Conditions |
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