SBI Gold Card

• Benefits
• Features
• Fees & Charges

  Fees

Joining Fee (one time)	Rs. 299
Annual Fee(p.a.)+	Rs. 299
Addon Fee(p.a.)	NIL

  Extended Credit

Interest Free Credit Period	20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)
Finance Charges	Upto 3.35% p.m. (40.2% p.a.) from the transaction date
Minimum Amount Due	5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

  Cash Advance

Cash Advance Limit	Upto 80% of Credit Limit
Free Credit Period	NIL
Finance Charges	Upto 3.35% p.m.(40.2% p.a.) from the transaction date

  Cash Advance Fees

SBI ATMs /Other Domestic ATMs	2.5% of withdrawal amount or 300/- (WIH) per transaction
International ATMs	3% of withdrawal amount or 300/- (WIH) per transaction

  Other Charges & Fees

Protection Plus Insurance Scheme*	Personal Accident (Insurer RSA) - Rs. 24 p.m. Suraksha Plus (Insurer SBI Life) - 0.1% of Total Outstanding Admin Fee - Rs. 20 p.m.
Cheque Pickup	Rs 90/-
Cheque Bounce/Invalid Cheque	2% of  Cheque dishonor amount (Min Rs. 350, Max Rs. 500).
Statement Retrieval	Rs. 100 per Statement (> 2 months old)
Chargeslip Retrieval	Rs. 225 per Chargeslip
Late Payment	NIL for Total Amount due from Rs.0-Rs.200; Rs.100 for Total Amount due greater than Rs.200 & up to Rs.500; Rs.200 for Total Amount due greater than Rs.500 & up to Rs.1000; Rs.350 for Total Amount due greater than Rs.1000 & up to Rs.5000 Rs.550 for Total Amount due greater than Rs.5000 & up to Rs.10,000; Rs.750 for Total Amount due greater than Rs.10,000;
Overlimit	2.5% of Overlimit Amount (Min. Rs. 500)
Card Replacement	Rs. 100
Emergency Card Replacement (When Abroad)	Actual Cost (Min. $175)
Foreign Currency Transaction	Conversion mark up: 3.5%
Card Upgrade Fee	Upto Rs. 500
Cash OTC Fees	Rs.100 +GST

  Surcharge

Railway Tickets - Railway Counters	Rs. 30 + 2.5% of transaction amount
Railway Tickets - http://www.irctc.co.in/	1.8% of transaction amount + service charge, as applicable
Customs duty	2.25% of transaction amount (Min. Rs. 75)
Petrol & all products/services sold at petrol Pumps	2.5% of the transaction amount (Min Rs 10)

 Order of Payment Settlement

Order of Payment Settlement

Minimum Amount Due ( which is inclusive of GST + EMI on Loan plans + 5%of Total Outstanding ) , followed by Fees and other charges, Interest Charges, Balance Transfer Outstanding, Retail Outstanding and Cash Advance.

# Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review.

*      Nil on Cash advance.
**    Insurance is optional and a subject matter of solicitation.
***   Cheques payable outside clearing zones not accepted. We accept payment through local cheques /drafts payable in Delhi  only.
Service tax as applicable on all above fee, interest and charges. 

Your continued use of the card will be deemed acceptance of these amendments.

SBI Card Helpline
From BSNL/MTNL Lines     1800 180 1290
From All Other Lines         39 02 02 02

All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at https://www.sbicard.com/