SBI Gold Credit Card

✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card from SBI Bank now!

About SBI Gold Credit Card

**Disclaimer: SBI Gold Credit Card is not a Bajaj 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


SBI, a money lending bank, provides banking and financial solutions to its customers. With a rich heritage and legacy, SBI has come up with an SBI Advantage Gold Credit Card which is a unique card with a secured scheme. It is globally accepted and has a lot of benefits.

Benefits of SBI Gold credit card - 

  • It has a credit facility which is flexible. Your repayment schedules can be customized for your dues that are outstanding.

  • Use this credit card to withdraw cash from all the ATMs that accept VISA or Mastercards across the globe.

  • This card can be used for online bookings of railway tickets on the IRCTC platform.

Features of SBI Advantage Gold credit card -

  • Get 100% withdrawal of cash on SBI Gold Credit Card. 

  • You get a credit period of 50 days that is interest-free.

  • Payment facility of utility bills is available and is free of cost.

  • Facility of Flexipay is available. 

  • You can keep a record of your transactions through SMS alerts and e-statements.

  • Availability of the facility of net banking.

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.


Similar Credit Cards Offered by SBI

Credit Card

Ideal For

SBI BPCL Credit Card

BPCL SBI Card is best suited for purchase of Fuel, Traveling & Shopping

Central SBI Credit Card

SBI Central Credit Card is best suited for Shopping, Dining & Entertainment

Club Vistara SBI Card

SBI Club Vistara Credit Card is best suited for Traveling, Entertainment & Dining


SBI ELITE Credit Card is best suited for Shopping, Entertainment, Fuel & Dining


SBI FBB STYLEUP Credit Card is best suited for Shopping, Rewards & Cashback


SBI IRCTC Credit Card is best suited for Traveling, Entertainment & Fuel

SBI Lifestyle Credit Card

SBI Lifestyle Credit Card is best suited for Shopping, Rewards & Cashback


SBI Max SELECT Credit Card is best suited for Shopping, Rewards & Cashback


SBI PRIME Credit Card is best suited for Traveling, Shopping & Fuel

SimplyCLICK SBI Card

SBI SimplyCLICK Credit Card is best suited for Shopping, Entertainment & Fuel

SimplySAVE SBI Card

SBI SimplySAVE Credit Card is best suited for Shopping, Entertainment & Fuel

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.