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SBI offers a diverse range of credit cards like SimplyCLICK SBI Card, Max SBI Card SELECT, SBI Lifestyle Credit Card and SBI PRIME Card. Among these, the SimplySAVE SBI Credit Card is one of the most popular.  It is a basic credit card designed for everyday purchases and expenditure. As the name suggests, the card helps you save a lot of money and earn big rewards on your daily expenses like grocery, dining, travel, shopping, and movies.

Features & Benefits


You can earn 10x reward points on every ₹150 spent on dining, movies, departmental store purchases, and groceries. You can also earn 1 reward point on every ₹150 spent on other categories. You can redeREAD MOREem them later at a value of 4 reward points = ₹1. READ LESS

Welcome Gift

You can earn 2,000 bonus reward points by spending ₹2000 or more within 60 days of card issuance. Additionally, you can get ₹100 cashback on your first ATM withdrawal, provided you withdraw the amount READ MOREwithin 30 days of receiving your card. READ LESS

Worldwide Acceptance

You can use the SimplySAVE SBI Credit Card in more than 24 million outlets across the globe, including 3,25,000 outlets in India.

Add-on Cards

With this card, you can avail of add-on credit cards for your family members above the age of 18.

EMI Conversion

Using Flexipay, you can convert big-ticket purchases of ₹2,500 or more into easy monthly instalments within 30 days of purchase.

Utility Bill Payments

You can use your SimplySAVE SBI Credit Card to pay your electricity, mobile, and other utility bills through the Easy Bill Pay facility.

Fuel Surcharge Waiver

You can enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at any petrol station across the country. A maximum waiver of ₹100 is available per statement cycle with the SimplySAVE READ MORESBI Credit Card. READ LESS

Balance Transfer on EMI

You can transfer the outstanding balance of your credit card from a different bank to your SBI credit card and enjoy lower interest. Moreover, you can easily repay the amount in EMIs.

Annual Fee Reversal

You can get an annual membership fee reversal from the second year if you spend ₹1 Lakh or more in the previous year.

Eligibility & Documents Required

You must meet the following eligibility criteria to apply for the SimplySAVE SBI Credit Card.

  • You must be between 21 and 55 years old if you are a salaried employee.

  • You must be between 21 and 70 years old if you are self-employed.

  • You must be an Indian resident.


You must also provide the following documentation while applying for the SBI credit card.

  • Identity Proof: You can submit a copy of your Aadhaar Card, PAN Card, Driving License, Voter ID, Passport, etc.

  • Address Proof: You can provide a copy of your Aadhaar Card, Passport, Driving License, Ration Card, etc.

  • Income Proof: You can submit your salary slip for the previous two months, the latest Form 16, or your bank statement for the previous three months.

  • Passport: size photograph


*Note: SBI may ask for additional documents as per their internal policies

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How to Apply for SimplySAVE SBI Credit Card

  • Visit the Bajaj Markets official website to start your SimplySAVE SBI Credit Card application process

  • Fill out the application form

  • Browse through the list of credit cards

  • Select the SimplySAVE SBI Credit Card

  • Upload the relevant documents and submit your application for the SBI card

SimplySAVE SBI Credit Card Customer Care

Here’s how you can get in touch with the SBI Credit Card customer care team:

Fees and Charges

Check out the table below for more information regarding the various charges:

Type of Fees


Joining Fees

₹499 + GST

Annual Fees

₹499  + GST (will be reversed if you’ve spent ₹1 Lakh or more in the previous year)

Add-on Card Fee


Minimum Amount Due

5% of total outstanding balance (minimum of ₹200 + applicable taxes)

Interest Free Credit

You can enjoy an interest-free credit period of 20-50 days. However, this only applies to retail purchases, and the previous month's outstanding amount must be cleared.

Finance Charges

3.5% per month (42% per annum)

Cash Advance Limit

Maximum of 80%, capped at ₹12,000

Free Credit Period


Cash Advance Fee

2.5% of the withdrawn amount or ₹500, whichever is higher per month (30% p.a. on all transactions)





Late Payment

Up to ₹500: 0

From ₹500 up to ₹1,000 - ₹400

From ₹1,000 up to ₹10,000 - ₹750

From ₹10,000 up to ₹25,000 - ₹950

From ₹25,000 up to ₹50,000 - ₹1,100

More than ₹50,000 - ₹1,300

Statement retrieval

₹100 per statement

Card Replacement


Foreign Currency Transaction Fee

3.5% of the total transaction value

Cheque Pick Up


Emergency Card Replacement When Overseas

Actual fee + $175

Overlimit Fee

2.5% of the over limit amount or ₹500, whichever is higher

Cash Payment Fee


Payment Dishonour Fee

2% of the amount or ₹500, whichever is higher

Reward Redemption Fee


SBI SimplySAVE Credit Card Limit on Cash Advance

The maximum cash advance allowed is 80%, with a daily cap of ₹12,000

Frequently Asked Questions

How do I -the reward points on my SimplySAVE SBI Credit Card?

To redeem the reward points, log in to the official website, go to the ‘rewards’ tab, and click on ‘redeem rewards’. Next, the user can go through the list of products available and choose the item of their choice.

Can I use my SimplySAVE SBI Credit Card outside India?

Except for Nepal and Bhutan, the SimplySAVE SBI Credit Card is accepted in all the countries outside India.


Can I use a balance transfer on my SimplySAVE SBI Credit Card?

You can very well use the card to transfer any outstanding balance from any other credit card.


What are the documents acceptable for a SimplySAVE SBI Credit Card?

All potential cardholders need to submit proof of residence, income, and identity to the bank or on the website.

What is the SimplySAVE SBI credit limit?

The credit limit is usually set at the time of issuing the card and depends on factors like the creditworthiness of the user.

What are the benefits of the SimplySAVE SBI Credit Card?

Using the SimplySAVE SBI Credit Card, you can earn one reward point on every Rs 150 spent and a welcome offer of ₹2000 bonus points on spending Rs 2000 within 60 days of getting the card.

What is the interest rate of the SimplySAVE SBI Credit Card?

The interest rate is ₹25 per month or 3.35% per month whichever is higher among the two.

Can I withdraw cash on a SimplySAVE SBI Credit Card?

Yes. You can withdraw cash using the SimplySAVE SBI Credit Card at any ATM across the world. However, keep in mind that there’s a maximum cash withdrawal limit, which can vary from one person to another.

What is the annual fee for an SBI SimplySAVE Credit Card?

The annual fee for the credit card is ₹499 plus taxes. You can get your annual fee for the next year waived by spending ₹1 Lakh or more during the current year.

How can I pay my SBI SimplySAVE Credit Card bill?

You can pay your credit card bill payment through multiple online and offline methods. Some of the different ways include paying via the SBI Card app, the SBI Card website, the SBI YONO app, via NEFT, the SBI BillDesk platform, via an SBI branch, or by dropping a cheque into an ATM dropbox.

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