SimplySAVE SBI Credit Card

Welcome Bonus Reward Points | Up to 10x Cashback on Spends | Global Acceptance

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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 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 of SimplySAVE SBI Card

Rewards

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 redeem them later at a value of 4 reward points = ₹1.

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 within 30 days of receiving your card.

Worldwide Acceptance

You can use the SimplySAVE SBI 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 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 SBI card.

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 for SimplySAVE SBI Card

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

How to Apply for SimplySAVE SBI Card

Step 1: Visit the Bajaj Markets official website to start your SimplySAVE SBI card application process.
Step 2: Fill out the application form.
Step 3: Browse through the list of credit cards.
Step 4: Select the SimplySAVE SBI card.
Step 5: Upload the relevant documents and submit your application for the SBI card.

SimplySAVE SBI Card Customer Care

You can reach out to the SBI customer care team for any questions or concerns regarding your account or credit card via phone or email. The SBI credit card helpline number is 1860 180 1290 and the email address is customercare@sbicard.com.

Fees and Charges of SimplySAVE SBI Card

As a prospective cardholder, it is crucial for you to be aware of the various fees and charges applicable on the SimplySAVE SBI card. This will allow you to make a far more informed financial decision. Check out the table below for more information regarding the various charges.

Type of Fees	Amount
Joining Fees	₹499
Annual Fees	₹499 (will be reversed if you’ve spent ₹1 Lakh or more in the previous year)
Add-on Card Fee	Nil
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	Nil
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	₹100
Foreign Currency Transaction Fee	3.5% of the total transaction value
Cheque Pick Up	₹100
Emergency Card Replacement When Overseas	Actual fee + $175
Overlimit Fee	2.5% of the overlimit amount or ₹500, whichever is higher
Cash Payment Fee	₹199
Payment Dishonour Fee	2% of the amount or ₹500, whichever is higher
Reward Redemption Fee	₹99
Railway Ticket Surcharge	₹30 + 2.5% of the total transaction value at the counter 1.8% of total transaction value + applicable service charge while booking online (IRCTC website)
SBI SimplySAVE Credit Card Limit on Cash Advance	The maximum cash advance allowed is 80%, with a daily cap of ₹12,000

About SBI Credit Cards

SBI Credit Card Variants at Bajaj Markets

Other Credit Card Partners

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.

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

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

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

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

Using the SimplySAVE SBI 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.

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

Yes. You can withdraw cash using the SimplySAVE SBI 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.

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.

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, through the SBI YONO app, via NEFT, through the SBI BillDesk platform, via an SBI branch or by dropping a cheque into an ATM dropbox.