SimplySAVE SBI Card

  • Joining Fee
    ₹ 499
  • Category
  • Min. Income
    ₹ 2,00,000
SimplySAVE SBI Card
  • 2,000 bonus reward points on spends of  ₹100 spent on Dining, Movies, Departmental Stores and Grocery Spends 
  • Annual fees reversal on spends of  ₹90,000 and above 
  • 1% fuel surcharge waiver across all petrol pumps

Card Details

Joining Bonus

  • Spend ₹2,000 or more in first 60 days and get 2,000 bonus Reward Points. Click here to know more.

10x Reward Points

  • Enjoy 10 Reward Points per ₹100 spent on Dining, Movies, Departmental Stores and Grocery Spends
  • On all your other spends, earn 1 Reward Point per ₹100 spent (4 Reward Points = ₹1)

Enjoy Complete Fuel Freedom

  • Get freedom from paying the 1% fuel surcharge at any petrol pump
  • Transact an amount between ₹500 to ₹3,000 at any petrol pump in India to avail this offer
  • You get maximum surcharge waiver of up to ₹100 per statement cycle, on your SimplySAVE SBI Card

Spend Based Reversal

  • Get annual membership fee reversal from second year of your subscription
  • To avail fee reversal, you need have spent ₹90,000 or more on your SimplySAVE SBI Card in the previous year


To get this credit card, you must be:

  • Above 21 years of age
  • Salaried or Businessman
  • Permanent Resident of India
  • Having Good Credit Score. Not sure of your credit score? Click here to check for FREE
  • Minimum Gross Annual Income of ₹2Lac
Additional criteria for approval from the lender may apply

Documentation Required

Applicant needs to furnish self-attested supporting documents :

Identity Proof(any one) such as
  • Aadhaar Card
  • PAN Card
  • Valid Driving License
  • Valid Passport
  • Voter ID
Address Proof(any one) such as
  • Aadhaar Card
  • Valid Driving License
  • Valid Passport
  • Voter ID
  • Utility bill not more than 2 months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill) 
Income Proof(whichever applicable)
  • Latest Payslip/Form-16(For Salaried)
  • Latest ITR(For self-employed)

and a passport-size photograph.

Think About

Reward Points

  • Earn 1 Reward Point on every ₹100 that you spend using the SimplySAVE SBI Card
  • Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts
Click here to browse through our Rewards Catalogue to choose your gifts

Welcome Offer

  • Get ₹100 cash back on your first ATM cash withdrawal, if done within 30 days of receiving your card

Worldwide Acceptance

  • You can use your SimplySAVE SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • Use your card to make payments at any outlet that accepts Visa or MasterCard

Add-on Cards

  • With SimplySAVE SBI Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18

Cash on the Go

  • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe

Utility Bill Payment Facility

  • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your SimplySAVE SBI Card.

Click here to know more

Balance Transfer on EMI

  • Save money while paying your credit card dues
  • Transfer the outstanding balance of other banks’ credit cards to your SimplySAVE SBI Card, and avail a lower rate of interest and pay back in EMIs
Click here to know more about Balance Transfer on EMI


  • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for ₹2,500 or more using your SimplySAVE SBI Card , and log in with your username and password to within 30 days of purchase to convert it into Flexipay
Click here to learn how to apply for Flexipay

Easy Money

  • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
Log in with your username and password to to book Easy Money

Fee Details


  • Annual Fee (one-time): ₹499
  • Renewal Fee (per annum): ₹499 from second year onwards. Renewal Fee reversed if annual spends for last year >= ₹90,000.
  • Add-on Fee (per annum): Nil

Extended Credit

  • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous months’ outstanding balance is paid
  • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum from the transaction
  • Minimum amount due: 5% of Total Outstanding (Min. ₹200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

Cash Advance

  • Cash Advance Limit: Up to 80% of credit limit, with a maximum of ₹12,000 per day
  • Free Credit Period: Nil
  • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal

Cash Advance Fee

  • SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of ₹300
  • International ATMs: 3% of transaction amount, subject to a minimum of ₹300

Other Charges

  • Cheque pick up: ₹90
  • Payment Dishonour fee: 2% of the payment amount, subject to a minimum of ₹350
  • Statement retrieval: ₹100 per statement, which is two or more months old
  • Charge slip retrieval: ₹225 per charge slip
  • Late payment:
      1. Nil for total amount due from ₹0 to ₹200
      2. ₹ ₹100 for total amount due greater than ₹200 and up to ₹500
      3. ₹400 for total amount due greater than ₹500 and up to ₹1,000
      4. ₹500 for total amount due greater than ₹1,000 and up to ₹10,000
      5. ₹750 for total amount due greater than ₹10,000
  • Overlimit: 2.5% of overlimit amount subject to a minimum of ₹500
  • Card replacement: ₹100
  • Emergency card replacement, when abroad: Actual cost, with a minimum of $175
  • Foreign currency transaction: Conversion mark up - 3.5%
  • Rewards redemption fee: ₹99
  • Cash Payment fee: ₹100


  • Railway tickets through Railway counters: ₹30 + 2.5% of transaction amount
  • Railway tickets through : 1.8% of transaction amount + service charge, as applicable
  • Fuel and all products and services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between ₹500 and ₹3,000, exclusive of applicable taxes, wherever applicable and all other charges. Maximum surcharge waiver of ₹100 per statement cycle, per credit card account. 1% of transaction amount (Min. 10) for transaction Amount Betweeen ₹500 to ₹3,000

Order of Payment Settlement

  • All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, and Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

Customer Care Details

Contact SBI cards Customer Care

Phone: Dial 39 02 02 02 (prefix local STD code), 1860 180 1290or 1800 180 1290 (toll free). Available 8 AM - 8 PM from Monday to Saturday

Fax: Fax your documents and SBI Card application at 0124-2567131

Central office: SBI Cards, Customer Service Department, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Infinity Towers, DLF Cyber City, Gurgaon – 122002, Haryana, India

E-mail: You can email your query, concern or feedback

Twitter: Connect on Twitter @SBICard_Connect

SMS: SMS HELP to 5676791 from your registered mobile to get your account information using Simply SMS services.SMS PROBLEM to 9212500888 and get a call back from SBI within 24 hours.

IRCTC SBI Credit Card Helpline: Dial 39 02 12 12 (prefix local STD code)from all phone numbers 1800 180 1295 (from BSNL/MTNL lines)

If you are not satisfied with the resolution, escalate a previous query.