SimplySAVE SBI Card

SBI
  • Joining Fee
    ₹ 499
  • Category
    Shopping
  • 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

Eligibility

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

Flexipay

  • 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 sbicard.com 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 sbicard.com to book Easy Money

Fee Details

Fees

  • 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

Surcharge

  • Railway tickets through Railway counters: ₹30 + 2.5% of transaction amount
  • Railway tickets through irctc.co.in : 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.