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About SBI Gold Credit Card

**Disclaimer: SBI Gold Credit Card is not a Finserv MARKETS partner product. Offers would be from partner Banks/NBFCs only.

With SBI Gold credit cards, cardholders can pay internationally with one tap. The card has been specially designed for people who love to shop and travel across the globe. The highlight feature of the SBI Gold credit card is the low annual fee and minimal finance charges, which makes it economical for people to afford.

SBI Gold credit card offers a lot more. Read below to know more about SBI Gold credit cards.

SBI Gold Credit Card Features & Benefits

  • The cardholders can avail of these SBI Gold credit card benefits –

  • Global Acceptance of SBI Gold credit card at merchant outlets.

  • Flexible repayment structure for SBI Gold credit cardholders. SBI also offers the facility to the cardholder to choose from various payment options for the repayment of the outstanding amount.

  • SBI Gold credit card has a smart feature where cardholders can schedule their utility bills and other important monthly payments. This feature ensures that the customers never miss the payment of their important bills and enjoy services hassle-free.

  • SBI believes that even a penny is important, and therefore it ensures that every customer stays updated and aware of every transaction of their account. The SBI Gold credit cardholders get instant SMS and Email on their registered number and email for every transaction.

  • SBI Gold credit card users can directly contact Global customer assistance services 24*7 for any problem. The team provides quick remedial options on credit card loss, theft, and misplacing of credit cards.

  • The SBI credit card users can also pay into installments for any of their goods or services purchases made via card. The bank charges a nominal interest on it.

  • SBI Gold credit card users can avail a bank draft feature easily by placing a request on the SBI customer care services via phone call. This easy money feature acts as a savior in emergencies.

  • SBI Gold credit card users can track their account activities with periodic e-statements of the account. This helps the customers to analyze their spending patterns.

SBI Gold Credit Card Fees & Charges

It is very important to be well aware of all the SBI Gold credit card fees and charges associated with your credit card. Here is a brief description regarding all the charges 



Joining Fees

Rs. 300

Annual Maintenance Fees

Rs. 300

Additional-on Card


Finance Charges

3.35% monthly

Advance (SBI ATM)

Rs. 300 minimum or 2.5% of the cash.

Door Pickup Cheque Facility

Rs. 90

Retrieval of Statement

Rs. 100

Penalty Charges

An amount below Rs. 200 has zero penalties.

If the amount ranges between

Rs.201 - Rs.500 = Rs.100

Rs.501 - Rs.1,000 = Rs.400

Rs.1,001 - Rs.10,000 = Rs.600

Rs.10,001 - Rs.25,000 = Rs.800

Amount above Rs. 25,000 = Rs.950



SBI Gold Credit Card Reward Points

The SBI Gold credit card reward system has a unique range of offers in every category.

  • The cardholders are rewarded with one point on every spend of Rs. 75 (exclusive of groceries)

  • The cardholders are rewarded with 10 points for groceries, utilities, movie tickets, travel, shopping, etc transactions.

  • The cardholders are rewarded with 5 points on online transactions.

  • Discount of 1% on the fuel purchases above Rs. 500.

**Note – Terms and conditions applicable.

SBI Gold Credit Card Eligibility Criteria & Document Required

Before you decide to apply for an SBI Gold credit card you must be aware of the eligibility criteria fixed by the bank to avoid any hassle.

SBI Gold credit card eligibility criteria are -

  • Age - The primary applicant must be above 21 years. The age of the add-on applicants must be above 18 years.

  • Occupation - You must be either a self-employed or salaried person.

  • Minimum Income - Your monthly income must be Rs. 25,000 or above.

  • Resident - You must be a resident of any of the serviceable cities. The list of the serviceable cities is available on the official portal.

It is also important to submit all the required documents along with your application. The required documents for the SBI Gold credit card are -

  • Address Proof - Ration card, Passport, Voter ID, Aadhaar card

  • Identity Proof - Aadhaar card, Passport, Driving license.

  • Income Proof - IT Return, Salary slip, Form 16.

**Note - The eligibility and documentation process of the SBI Gold credit card might change under the updated norms of the bank.In order to get the SBI old credit card, one must fit in the eligibility criteria set by the bank.

How to Apply for SBI Gold Credit Card?

To apply for the SBI Gold credit card, you can either choose the online or the offline mode. If you wish to choose the offline mode, you just have to visit the nearest SBI. The concerned executive will assist you with the SBI Gold credit card application form. The executive will guide you through the process.

If you wish to choose the online method for the SBI Gold credit card application, you need to follow the following steps:

  • Visit the official portal of the SBI Bank.

  • On the homepage, an option for the SBI Gold credit card will be available. Click on that.

  • An application form will be displayed on your screen. Fill the form and attach the required supporting documents.

  • After you submit your application form, the bank will review and verify your information. The acceptance/rejection of the application depends on SBI Gold credit card eligibility criteria and other factors.

How to Reach SBI Gold Credit Card Customer Care?

There are various modes of communication that you can use to contact the SBI credit card customer care. The most common mode of communication is by visiting the nearest SBI branch. You can talk to the customer service executive present there and inform them about your query.

Toll-free Numbers


1800-11 -2211

1800 -425-3800


Email Address


Send an SMS at 8008-20-20-20 with the text format: UNHAPPY.



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Resource Centre

FAQs on SBI Gold Credit Card

✔️How to contact SBI Gold credit card customer care?

According to the purpose of your contact, there are various helpline numbers of SBI Gold credit cards. You can call on 1800-11-2211 or 1800-425-3800 or 080-26599990 if you want to get information regarding the SBI Gold credit card. In case your credit card is misplaced or stolen, you can contact customer care at 1800 180 1290 or use your local STD code and dial 39-02-02 -02. Remember to use your registered mobile number for contacting customer care of the SBI Gold credit card.

✔️What is the SBI Gold Credit Card limit?

The SBI Gold credit card limit varies in every application. Annual income, occupation, etc., are the factors that are seriously taken into consideration by the bank. 

✔️ Can I make a bill payment using SBI Gold Credit Card?

Yes, you can use your SBI Gold credit card for making bill payments. Your SBI Gold credit card can be used in any ATM, merchant outlet, online shopping via Visacard, etc.