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| Card Highlights |
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| Card Class |
Standard |
| Card Type |
Partnership |
| Issuer |
State Bank of India |
| Offered Type |
Visa |
| Rewards |
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Main Features
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- Flexipay
- Shop & Smile Rewards
- International Markup Wavier
- Triple Advantage Rewards
- Enhanced Purchasing Power
- Travel Benefit
- IAPA Membership
- Mega Value Offers
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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 Transaction Fee |
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)
Finance Charge on Late Payment: 2.75% per month |
| 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 |
Your card carries a Zero lost card liability. This protects you against misuse of your card from the time you report the loss |
| Over Limit Charges |
2.5% of Overlimit Amount or Rs 500 whichever is high |
| Cheque Pickup Fee |
Rs 55 |
| Cheque Bounce Fee |
2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Return of Cheque Fee |
2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500) |
| Invalid Cheque Fee |
2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500) |
| Outstation Cheque Processing Fee |
Rs 75 |
| Dial a Draft Fee |
Min.: Rs 199 |
| Duplicate Statement Request Charges |
Rs 75 |
| Replacement Card Charges |
Rs 100 |
| Charge Slip Request |
Rs. 125 per chargeslip |
| Air/Railway Booking Comment |
Rs. 30 + 2.5% of Transaction amount |
| Foreign Currency Transaction Charges |
Spend freely overseas, wherever you go. Pay no transaction fee |
| Service Tax |
Service Tax: 5% on Prescribed Fees, Interest and Other Charges |
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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.
A special rewards program earns you one reward point on every Rs. 125 that you spend on your card. Enjoy the Triple Advantage of redeeming these reward points against fee waivers, attractive gifts for you and your family and a host of discounts on leading brands and lots more! So go ahead, spend on your card and enjoy the Triple Advantage. |
| For more info. |
Click Here |
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Hotel
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Hotel:
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| Booking Discount |
Yes |
| Description (Booking Discount) |
The IAPA membership entitles you to savings of up to 50% at more than 17,000 hotels throughout the world |
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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 |
| Car Rental Discount |
With your card you will get an AWD (AVIS Worldwide Discount) number which will entitle you to discounts in Europe and USA (25%), Africa, Middle East, Asia, Canada and Latin America (15%), India (15% on chauffeur-driven and 20% on self-driven cars). It will also offer you great deals and discount up to 30% on car rental services in Europe and USA, Africa, Middle East, Asia, Canada, Latin America and India
The IAPA membership entitles you to savings of up to 30% savings on car rentals. |
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Insurance:
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| Air Accident |
Accident cover for prime cardholder is of Rs 30,00000 |
| Other Accident |
Other accident cover is of Rs 200000 |
| 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 |
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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:
Gross Income>= Rs.2,25,000 pa
Gross Income
>= Rs.1,50,000 pa Gross Income >= Rs.2,25,000 pa Pub. Ltd/MNC/Govt.
Latest IT Return OR Form 16 OR Salary slip Pvt. Ltd Latest IT Return OR
Copy of bank statement/Updated passbook, showing transactions for the last 6 months
Self Employed:
Gross Income >= Rs.1,50,000 pa
Latest Personal IT Returns AND
Copy of bank statement/Updated passbook, showing transactions for the last 6 months
Retired/Pensioners:
Gross Income >= Rs.2,25,000 pa
Latest personal IT Returns OR
Pension Certificate OR
Copy of bank statement/ Updated passbook, showing last 3 pension credits |
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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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