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| Card Highlights |
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| Card Class |
Gold |
| Card Type |
Premium |
| Issuer |
State Bank of India |
| Offered Type |
MasterCard |
| Rewards |
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Main Features
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- 24-Carat Concierge* : Personal, Auto and Medical Services
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Access to Golf Courses
- International Mark up Waiver
- 24-Carat Power Points
- 24-Carat Exciting Offers
- 24-Carat Nightlife
- 24-Carat Luxuries
- Easy Bill Pay Facility at Zero Charge
- Flexipay Installment Plans
- Easy Money Draft
- 24-Carat Air & Car Rental
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 Card Rates
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 and 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.
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 |
| 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% of cheque amount (Min Rs 250, Max Rs 500)
2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Return of Cheque Fee |
2% of cheque amount (Min Rs 250, 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 |
199% |
| Duplicate Statement Request Charges |
Rs 100 |
| Replacement Card Charges |
Rs 100 |
| Emergency Replacement(when overseas) |
Subject to actual cost (Min $175) |
| Charge Slip Request |
Rs. 125 per chargeslip |
| Air/Railway Booking Comment |
Rs. 30 + 2.5% of Transaction amount |
| Fuel Surcharge |
2.5% |
| Service Tax |
12.36% |
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Rewards & Benefits
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Rewards & Benefits
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| Earn one power point on every Rs. 40 spent on your SBI Gold MasterCard. And redeem these power points against a host of 24-Carat Rewards.
Get 24-Carat Power Points for every purchase you make.
# Air Miles and Hotel Stays: Convert your points into air tickets and hotel reservations
# Gift Vouchers: Valid at Tanishq, Nike, Levi's, Hidesign and other high-end brands
# A variety of top-of-the-line gifts: Travel bags, wallets, watches, electronic items and lots more.
Double your Power Points on International Spends
For example, Rs. 40 spent on International Travel or Shopping or Dining will translate into two Power Points. |
| For more info. |
Click Here |
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Airline
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Airline:
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| Bookings Agent |
Carlson Wagonlit Travel Services. |
| Airport Lounge Access |
Yes |
| Airline Travel Benefits |
Up to 3.5% off on domestic and international air tickets purchased through Carlson Wagonlit Travel Services. |
| Comment (on Airport Lounge Access) |
Relax before you fly. Enjoy privacy and comfort. Just present your SBI Gold MasterCard at any of the select Premium Clipper Lounges at Domestic & International airports in Delhi, Mumbai, Kolkata, Chennai and Kochi. |
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Entertainment
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Entertainment:
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| Nightlife Specials |
Yes |
| Description (Nightlife Specials) |
The finest pubs and restaurants across cities compete for your attention - with special offers.
http://www.sbicard.com/sbi/mc_nightlife.htm |
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Fitness
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Fitness:
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| Spa / Massage |
Yes |
| Description (Spa / Massage) |
• 400 off on any service (Offer not valid on a Kaya Face Rejuvenator and
Kaya Eye Rejuvenator)
• Enroll for a Laser Lifetime Value Plan and avail of one Kaya Glow Session
complimentary |
| Golf Club Access |
Yes |
| Description (Golf Club Access) |
Special Green Fees privileges await you at ten of the finest golf clubs in India on any weekday:
# Resort Country Club, Gurgaon
# Forest Hills Golf Resort, Chandigarh
# Bangalore Golf Club
# Cosmopolitan TNGF Golf Club, Chennai
# Coimbatore Golf Club (Chettipalayam)
# Hyderabad Golf Club
# Tollygunge Golf Club, Kolkata
# Royal Palms Golf Resort, Mumbai
# Poona Golf Course, Pune
# Qutab Golf Club, Delhi
Just call 1800-114-445 or at 011-41898877; concierge Helpline for reservations for the first tee.
#All services are being provided by OAAG (S) Pte Ltd and are governed by their terms and conditions available at www.oaag.com. |
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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 |
Yes
From now on, you'll never ever be stranded. Personal, Auto & Medical assistance is only a phone call away, no matter where you are in India.
Personal Concierge
# Car Rental and Limousine Booking
# Hotel Reservations
# Bookings for Special Event
# Restaurant Reservations
# Movie Tickets
# Arranging Luxury Articles
# Flower and Gift Delivery
Auto Concierge
'Help on the Road' in Delhi, Mumbai, Chennai, Kolkata, Bangalore and Hyderabad Roadside Repair Service
# Emergency Fuel Supply
# Flat Tire Services
# Keys Locked Inside
# Battery Service
# Emergency Towing Assistance
Medical SOS
# Emergency and Routine Medical Advice from a Coordinating Doctor
# Doctors, Hospitals & ambulance contacts at your disposal
# Appointment confirmations & accommodation arrangements
# Access to Doctors on call 24 by 7
# Emergency Message to family & employer in an emergency
# Medical Expense Payment for Out Patient & In-Patient bills
# Medical Evacuation, Aid on way to the nearest hospital
# Necessary arrangements for transportation, cremation if required
All services are being provided by International SOS and are governed by their terms and conditions available at www.internationalsos.com. |
| 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 |
| Car Rental Discount |
25% off* on Standard Rates on HERTZ Car Rentals. |
| No. of ATMs (Global) |
1 Million Master Card |
| No. of ATMs (India) |
15,000 MasterCard
more than 6000 State Bank ATMs spread across more than 100 cities in India. |
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Insurance:
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| Hospitalization Benefits |
No |
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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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