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.
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
Here’s how you can get in touch with the SBI Credit Card customer care team:
SBI Credit Card Helpline Number: 1860-180-1290
SBI Credit Card Email Address: customercare@sbicard.com
Check out the table below for more information regarding the various charges:
Type of Fees |
Amount |
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 |
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2.5% of the withdrawn amount or ₹500, whichever is higher per month (30% p.a. on all transactions) |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 over limit 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 |
SBI SimplySAVE Credit Card Limit on Cash Advance |
The maximum cash advance allowed is 80%, with a daily cap of ₹12,000 |
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 Credit 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 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.
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 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.
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, the SBI YONO app, via NEFT, the SBI BillDesk platform, via an SBI branch, or by dropping a cheque into an ATM dropbox.