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.

1. Overview

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.

2. 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.

3. 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.

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 

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.

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.

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.

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.

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