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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 |
MasterCard |
| Rewards |
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Main Features
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- Cash Back in Departmental Stores & Groceries
- Utility Bill Payment Facility
- Add on card.
- Cash on the go
- 0% Fuel Surcharge
- Balance Transfer facility.
- Flexipay
- Credit facility
- Book your railway tickets online
- Easy Money Facility
- SBI Card Alerts
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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 |
3.35% per month |
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| Balance Transfers: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
6 month |
| Interest Rate |
0.99% per month
(You can choose from the plan suits you
Plan 1: enjoy 0% interest for 90 days on the entire Balance Transfer. Fee of Rs. 199 will be applicable for every Balance Transfer. Service tax extra, if applicable.
Plan 2:enjoy low interest @ 0.99% for 6 months. NO PROCESSING FEE will be charged for Balance Transfer booked under this Plan.
This is a limited period offer!} |
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Fees & charges
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Fees & charges
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| Joining Fee |
Upto Rs. 500 (one time only) |
| Annual Fee |
Upto Rs. 500 p.a. |
| Add On Card Fee |
Nil |
| Cash Advance Limit |
Up to 80% of Credit Limit(subject to a max. of Rs. 12K per day for Gold Cards) |
| Cash Advance Transaction Fee |
SBI ATMs 2.5% (Min.Rs.275)
Other Domestic ATMs 2.5% (Min.Rs.275)
International ATMs 3.0% (Min.Rs.275)
ATM Decline Fee Rs. 20 (NIL W.E.F 15 December '09). |
| Finance charges on cash advances /extended credit |
Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
| Penalty Interest Rate |
Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
| Late Payment |
NIL for Total Amount Due upto Rs. 500;
Rs. 100 for Total Amount Due from Rs. 501 - Rs. 1,000;
Rs. 350 for Total Amount Due from Rs. 1,001 - Rs. 10,000;
Rs. 600 for Total Amount Due from Rs. 10,001 - Rs. 25,000;
Rs. 700 for Total Amount Due above Rs. 25,000 |
| Free Credit Period |
20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full) |
| Over Limit Charges |
2.5% of Overlimit Amount (Min. Rs. 500) |
| Cheque Pickup Fee |
Rs 90 |
| Cheque Bounce Fee |
2% of Cheque Amount (Min. Rs. 300 & Max Rs. 500) |
| Invalid Cheque Fee |
2% of Cheque Amount (Min. Rs. 300 & Max Rs. 500) |
| Dial a Draft Fee |
Min.: Rs 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 Charge Slip |
| Air/Railway Booking Comment |
Rs. 30+2.5% of transaction amount on railway booking |
| Fuel Surcharge |
Min.: Rs 400 |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
10.3% |
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Rewards & Benefits
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Rewards & Benefits
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| 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: |
| For more info. |
Click Here |
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Cash Back
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Cash Back:
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| Description |
Be it the plush Departmental store or a humble grocery, if they accept credit cards get a 2% Cash Back.
Be it up market specialty restaurants or the way side cafe, expect a sumptuous 2% cash Back for every transaction.
Now whether you are paying telephone, electricity or water bills through "Easy Bill Pay", get 2% cash for every bill payment. |
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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) |
1 million MasterCard ATMs |
| No. of ATMs (India) |
18,000 ATMs |
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Insurance:
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| Other Accident |
Personal Accident - Rs. 24 p.m. |
| Hospitalization Benefits |
No |
| Credit Shield |
0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m. |
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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 |
| 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 |
| 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 |
| 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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