SBI Gold & More Card : State Bank of India : Rupee Times

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CREDIT CARD DETAIL

SBI Gold & More Card

Card Highlights

Card Class	Gold
Card Type	Premium
Issuer	State Bank of India
Offered Type	MasterCard
Rewards

Main Features

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

Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	3.35% per month

Balance Transfers:

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!}

Fees & charges

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%

Rewards & Benefits

Services & Features

General Features:

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

Insurance:

Other Accident	Personal Accident - Rs. 24 p.m.
Hospitalization Benefits	No
Credit Shield	0.1% of Total Outstanding Admin Fee - Rs. 20 p.m.

Special Offers

Eligibility Criteria

Salaried

Self Employed

Retired Pensioners

Terms & Conditions

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