SBI SimplySAVE Credit Card : Up to 10X Rewards Check Eligibility
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SimplySAVE SBI Card

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SimplySAVE SBI Card

Save on your everyday spends with the SimplySAVE SBI Credit Card. This card is best suited for a shopaholic. Get great rewards and benefits with the SimplySAVE SBI Credit Card and save money on your shopping expenses. Earn great rewards on potentially high expenditure categories like groceries, dining, movies etc.

SBI SimplySAVE Credit Card

Highlight

  • 10 reward points
  • Annual fee reversal
  • 1% fuel surcharge waiver

Best Suited For

  • Fuel
  • Dining.
  • Movie Deal

Features of SimplySAVE SBI Credit Card

  • Contactless Advantage
    • Make your payment faster, easier and more convenient by simply waving your card at a secure reader to complete your transaction.
    • Reduce the risk of card loss and fraud due to skimming as the card never leaves your hand.
  • Global Acceptance
    • SimplySAVE SBI Credit Card is accepted in over 24 million outlets across the globe, including over 3 lakh outlets in India.
  • Add-on Cards
    • Embolden your family-members with add-on cards (minimum age for add-on: 18 years)
  • Cash Access Across the World
    • Withdraw cash from over 1 million Visa or Mastercard ATMs across the globe.
  • Easy Bill Pay Facility
    • Pay your utility bills using your SBI Elite Advantage Credit Card.
  • Flexipay
    • Convert your transactions of Rs 2500 and above into easy monthly installments.
  • Balance Transfer on EMI
    • Now save money while paying your credit card dues.
    • Transfer your outstanding balance of other credit cards to your SimplySAVE SBI Credit Card and avail lower rate of interest and pay back in EMI.

Benefits of SimplySAVE SBI Credit Card

  • Extravaganza Offer
    • 2000 points on spending of Rs 2000 within the first 60 days of getting the SimplySAVE SBI credit card.
  • 10X Reward Points
    • 10 reward points per Rs 100 spent on Dining, Movies, Groceries and Departmental stores.
    • Use your reward points to pay the outstanding balance on your credit card or redeem the points for a variety of gifts.
  • Complete Fuel Freedom
    • 1% fuel surcharge waiver on every transaction between Rs 500 – Rs 3000 at any petrol pump.
    • Maximum surcharge waiver of Rs 100 per statement cycle.
  • Spend Based Reversal
    • Withdraw cash from over 1 million Visa or Mastercard ATMs across the globe.
  • Easy Bill Pay Facility
    • Get annual membership fee reversal from second year of subscription on a transaction of Rs 1 lakh or more the previous year.

Eligibility Criteria for SimplySAVE SBI Credit Card

  • Age of salaried applicant must be between 21 – 70 years.
  • Age of self-employed applicant must be between 25 – 70 years.
  • The applicant must be an Indian citizen.
  • Applicant must have a good credit score.
  • The add-on cardholder must be above 15 years of age.
  • Applicant should be able to produce all the necessary documents.

Documents Required for SimplySAVE SBI Credit Card

Documents Required for Identity Proof
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • NREGA Card
  • Ration Card
Documents Required for Address Proof
  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity/Water or other utility bill not more than 2 months old
Documents Required for Income Proof
  • Salary Slip
  • Bank Statement
  • Form 16
  • ITR
  • Bank Statements for the last 3 months
  • Proof of business continuity for self-employed applicants
Other Documents Required
  • Recent passport sized photograph

How to apply for SimplySAVE SBI Credit Card

  • Click here to start the application process.
  • Fill the basic requirements like your Name, Occupation, Monthly Income etc. to check your eligibility.
  • If eligible, you will be redirected to the online application page.
  • Fill the online application form and submit the form.
  • Upload and submit the required documents.
  • Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.

Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com

Fees & Charges of SimplySAVE SBI Credit Card

Fees/Charges Amount
Annual Fee Rs 499
Add-on Fee Nil
Finance charges for extended credit Up to Rs 25 or 3.35% per month (40.2% per annum), whichever is higher from the date of transaction
Minimum amount due for extended credit 5% of Total Outstanding [ Min Rs 200 + all applicable taxes + EMI (in case of EMI based product) + OVL amount (if any)
Cash advance limit Up to 80% of the credit limit, with a maximum of Rs 12,000 per day
Cash advance fee 2.5% of transaction amount, subject to a minimum of Rs 500
Statement retrieval Rs 100 per statement that is more than 2 months old
Payment Dishonor fee 2% of the payment amount, subject to a minimum of Rs 450
Cheque pick-up fee Rs 100
Overlimit 2.5% of over limit amount subject to a minimum of Rs 500
Card replacement Rs 100
Emergency card replacement when abroad Actual cost (subject to a minimum of $175)
Foreign currency transaction Conversion markup of 3.5%
Dynamic Currency Conversion Markup fee of 3.50%
Rewards redemption fee Rs 99
Cash payment fee Rs 199
Railway tickets through counters Rs 30 + 2.5% of transaction amount
Railway tickets through irctc.co.in 1.8% of transaction amount + service charge, as applicable

SimplySAVE SBI Card Late payment

Amount (in Rupees) Late payment fees (in Rupees)
0 – 200 Nil
201 – 500 100
501 – 1000 400
1001 – 10,000 600
10,001 – 25,000 800
> 25,000 950

Reward Point Benefits on your SimplySAVE SBI Credit Card

Now earn various reward points and bonus reward points at a faster pace with every transaction with your SimplySAVE SBI Credit Card. The more reward points you gain, the greater your chances become to redeem the reward points for your spends. This will save you a lot of money which otherwise would have gone from your pocket and made a hole in it. These reward points can be redeemed to make several online purchases on www.sbicard.com. Customers can also redeem reward points against their SBI credit card outstanding balance.

You can avail the following reward points on your SimplySAVE SBI Credit Card:

  • 10X reward points per Rs 100 spent on dining, movies, departmental stores and grocery spends.
  • 1 reward point per Rs 100 spent on other spends.
  • 4 reward points = Re 1
  • Get 2000 bonus reward points on spending Rs 2000 within first 60 days using your SimplySAVE SBI Credit Card.
  • Redeem reward points against your SBI credit card outstanding balance or to redeem gifts from SBI Credit Card Rewards Catalogue.

You can only redeem reward points in multiples of 2000 points per request. The gift from the reward points will be delivered to the customer’s given address, i.e., only to the primary card holder’s address. Gifts (i.e., merchandise) will be delivered within 15 working days and gift vouchers will be sent in 10 working days. Once the request to redeem the reward points has been made, it cannot be cancelled or changed. Gift vouchers will be valid for a period of three months. SBI charges a fee of Rs 99 along with service tax to the SBI card account after a request to redeem the reward points has been made by the customer

SBI Credit Card Rewards Store/Catalogue

Category Brands
Accessories Samsung/ Michael Kors/ Fossil/ Bvlgari/ Rayban/ Lavie/ Bata/ Tommy Hilfiger/ Parker/ Hidesign/ Nike/ Park Avenue/ Swiss Military/ Esprit/ Ferragamo/ Fastrack/ Voylla etc.
Apparel & Superstore Shoppers Stop/ Celio/ Hush Puppies/ Pantaloons/ More/ Aurelia/ Myntra/ Central/ Raymond/ Levis/ Louis Philippe/ Allen Solly/ Inglot/ Van heusen/ Vero Moda/ Arrow/ United Colors of Benetton/ Woodland etc.
Books & Periodicals Annual subscriptions of India Today/ Vogue/ GQ/ Good Homes/ Femina/ Filmfare/ Hello/ Grazia/ Business Today/ Harper’s Bazaar/ Cosmopolitan India/ Architectural Digest/ Reader’s Digest etc.
Electronics Apple/ Samsung/ Sennheiser/ Skullcandy/ Philips/ HP/ Amazon/ Google/ Bose/ JBL/ Fitbit/ BoAt/ Fossil/ MI/ Fastrack/ Motorola/ AT&T etc.
Elite Book of Rewards Shoppers Stop/ US Polo Assn./ Arrow/ Pantaloons/ Amazon/ Google/ PC Jeweller/ Kalyan Jewellers/ Tanishq/ Joyalukkas
End of Season Sale Victorinox/ HP/ MI/ Havells/ Swiss/ Motorola/ Wenger/ Fossil/ Skullcandy/ Google/ Bajaj/ Vaya/ Morphy Richards/ Park Avenue/JBL/ Nike/ Tupperware etc.
Entertainment & Dining BookMyShow/ SMAAASH/ Oh Calcutta/ Sweet Bengal/ The Beer Café/ Sigree/ TGIF/ Mainland China/ PVR/ KFC/ Chaayos/ Costa Coffee/ Pizza Hut/ Baskin Robins
E-voucher MakeMyTrip/ Flipkart/ Croma/ Yatra/ Urban Ladder/ Amazon/ Apollo Pharmacy/ The Body Shop/ Archies/ Shoppers Stop/ Allen Solly/ Cult.fit/ Pantaloons/ Fab Hotels etc.
Festive Catalogue Diesel
Health & Fitness Apple/ Fitbit/ MI/ Philips/ Goomo/ Cult.fit/ Fastrack/Nivia/ Dr. Morepan/ Victorinox/ Portronics/ Omron/ FitPass/ Nike/ Apollo Pharmacy/ Swiss Military etc.
Homeware Kent/ Morphy Richards/ Havells/ Hindware/ Urban Ladder/ Victorinox/ Bajaj/ DKNY/ Orient/ Vaya/ Wonderchef/ Prestige/ Borosil/ Milton/ Black + Decker/ Tupperware etc.
Kids Zone Vaya/ Wildcraft/ Lego/ Disney/ Zephyr/ American Tourister/ Gini & Jony/ Borosil etc.
Lifestyle Sennheiser/ Bose/ Diesel/ Hermes/ Fossil/ Citizen/ Skagen/ DKNY/ Bvlgari/ Guess/ Esprit/ Lavie/ Bata/ Timex/ Park Avenue/ VLCC etc.
Luxury PC Jeweller/ Kalyan Jewellers/ Helios/ Tanishq/ Joyalukkas
Memberships Accor Plus/ Cult.fit/ FITPASS
Preferred partner Card Protection Plan/ FBB/ Central
Travel & Holiday MakeMyTrip/ Swiss Gear/ Wildcraft/ Yatra/ Accor Plus/ Victorinox/ American Tourister/ Adidas/ Swiss Military/ Fab Hotels/ Cabeau etc.

How to check your SimplySAVE SBI credit card reward points?

To check your reward points gained from your SimplySAVE SBI Credit Card:

  • Choose SimplySAVE SBI Credit Card on the official SBI website.
  • Click on “Terms and Conditions”.
  • Click on the “Shop and Smile” reward program.
  • The points that you have earned will be mentioned under the “Points Earned Accumulated/Redeemed” section in your account.

How to redeem SimplySAVE SBI credit card reward points?

Redeem reward points through Website

  • Login to www.sbicard.com.
  • Click on “Rewards” and then click on “Redeem Rewards”.
  • Browse through the various SBI credit card rewards available and choose a suitable reward of your choice.
  • Click on “Redeem now” and confirm.
  • You can use the “Points+Pay” feature which gives you the freedom to redeem your reward points through the usual redemption of Reward Points and partly through the balance on your SimplySAVE SBI Credit Card.

Redeem reward points through Mobile App

  • Login to SBI Card Mobile App.
  • Click on “Rewards” at the left-hand side and click on “Redeem Rewards”.
  • Browse through the various SBI credit card rewards available and choose a suitable reward of your choice.
  • Click on “Redeem” and confirm.
  • You can use the “Points+Pay” feature which gives you the freedom to redeem your reward points through the usual redemption of Reward Points and partly through the balance on your SimplySAVE SBI Credit Card.

Customer care for SBI Credit Card

You can clear all your doubts and queries through SBI customer service. You can get access to the SBI customer service executives through the SBI helpline number, SMS service, address or email id. Resolve all your credit card queries and complaints regarding gift vouchers, reward points, credit score, annual spends, add on cards, required documents, annual fee, credit card application and many more in the best possible way through the SBI credit card helplines.

SBI Credit Card Toll Free Number:

  • 1860 180 1290
  • 1800 180 1290
  • 39020202 (STD code)
  • For Balance Enquiry – 8422845512
  • For Reward Points Summary – 8422845514
  • For Available Credit Limit and Cash Limit – 8422845513
  • For Last Payment Status – 8422845515

SBI Credit Card “Simply SMS” Service

Send different messages to get answers for your queries using SBI’s Simply SMS Service at the number 5676791

  • To block your lost or stolen card, message BLOCK XXXX to the given number
  • To know about available credit and card limit, message AVAIL XXXX
  • To know the last payment status, message PAYMENT XXXX
  • To know reward points summary, message REWARD XXXX
  • To know about your credit card balance, message BAL XXXX
  • To request a duplicate statement, message DSTMT XXXX MM (statement month)
  • To subscribe for e-statement, message ESTMT XXXX

SBI Credit Card Postal Address

Correspondence: SBI Card, P.O. Bag 28, GPO, New Delhi – 110001

Head office: SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India

SBI Credit Card EmailClick on https://www.sbicard.com/en/contact-us/personal.page#title to email to SBI.

SimplySAVE SBI Card Online Application Status

Get the real-time status of your SBI credit card by simply visiting the official SBI website. You just need to put your credit card application number and follow a few simple steps and you are done with the credit card application status. Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened. You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.

SimplySAVE SBI Card Credit Limit

The credit limit depends on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business. Existing cardholders can get good credit limit by asking SBI to raise the credit limit. After receiving the request of limit enhancement, SBI will check the repayment pattern, employment and business details before coming to a decision of whether it will raise the credit limit or not.

A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment. This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future. In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.

At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.

SimplySAVE SBI Card Online Bill Payment

Do away with the bill payment delays by adding your SimplySAVE SBI Card to the list of billers via net banking and pay your bills on time and avoid default.

If you are using the Internet Banking of SBI or some other bank, mention your credit card number correctly. You will receive an SMS indicating the total due and due date. You can login and pay from the comfort of your home or office either on or before the due date.

Frequently Asked Questions (FAQs)

  • What is SimplySAVE SBI credit card?

    SimplySAVE is a credit card offered by State Bank of India (SBI) which is best suited for frequent shoppers. As the name suggests, SimplySAVE SBI credit card helps you earn big rewards and save on your shopping expenses. Customers can earn 10X reward points on potentially high expenditure categories like groceries, dining, movies etc. Also get lower rate of interest through the feature of balance transfer on EMI.

  • How to apply for SimplySAVE SBI Credit Card?

    Log in to www.investmentcover.com to apply for SimplySAVE SBI credit card without any hassle. All you need to do is share a few required details in your SimplySAVE credit card application form. Investmentcover team will send your credit card application further to SBI. If the credit card application is approved, your credit card will be delivered at your registered address.

  • How much time does the SimplySAVE SBI credit card take to arrive?

    Once you have filled the online application form at https://www.investmentcover.com/sbi-credit-cards/simplysave-sbi-card, your application form is sent to SBI. The bank then checks the details entered, the required documents, whether the applicant has good credit or not and other such criteria. Once your application is approved by SBI, you will receive your SimplySAVE SBI credit card within 15 business days.

  • How to activate SimplySAVE SBI credit card?

    To activate your SimplySAVE SBI credit card, you can login to your SBI credit card account at sbicard.com or write at sbicard.com/Email. You can also call on the SBI helpline numbers 1860 180 1290, 180 180 1290 or 39020202 (STD code) to activate your SimplySAVE SBI credit card. Also, you can Click here to watch the demo. Alternatively, you can also login to Chatbot ILA using your online account user ID and password and get your SimplySAVE SBI credit card activated.

  • How to get 4-digit pin for SimplySAVE SBI credit card?

    You can follow the given steps to get your 4-digit pin for SimplySAVE SBI credit card:

    1. Login to your SBI card online account at sbicard.com
    2. Go to “My Account” and select “Manage PIN”.
    3. Select SimplySAVE credit card from the drop-down menu.
    4. You will receive an OTP (One Time Password) on your registered mobile number.
    5. Enter the OTP and the ATM PIN you want to set and click on “Submit”.
  • How to pay the bill for SimplySAVE SBI credit card online?

    SBI credit card bill can be paid through various methods such as Online Banking (through your SBI account); NEFT (through any bank account); Paynet-Pay Online (through net-banking); SBI Mobile App YONO; Via UPI (money transfer between 2 accounts); Debit card (through other bank debit card) and many more. Click on any payment method to learn more about it and click here to learn about all methods.

  • How to redeem SimplySAVE SBI credit card reward points?

    You can redeem SimplySAVE SBI credit card reward points through either SBI credit card website or SBI mobile app. To redeem SimplySAVE SBI credit card reward points, you need to log in to either the SBI website or the mobile app. Click on “Rewards” and then on “Redeem Rewards” and choose a reward of your choice. Click on “Redeem now” and confirm.

  • What are the benefits of SimplySAVE SBI credit card?

    SimplySAVE SBI credit card is a boon for frequent shoppers and provides a multitude of benefits like 10X reward points, 2000 bonus reward points, Fuel surcharge waiver, Annual fee reversal, Welcome offer and Low joining fee to name a few. It also provides facilities like Balance Transfer on EMI, Flexipay, Contactless advantage, Easy bill pay facility, Add on cards etc.

  • What is the credit limit of SimplySAVE SBI credit card?

    The credit limit of SimplySAVE SBI credit card varies from customer to customer and generally depends on the following factors: monthly income, existing liabilities and credit history. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. Existing cardholders can ask SBI to raise the credit limit after 1 year of usage and repayment.

  • What is the difference between SBI SimplySAVE and SBI SimplyCLICK credit cards?

    Although both the SBI credit cards are mainly for shopping, the main difference between SBI SimplySAVE and SBI SimplyCLICK is that while SimplySAVE is best suited for offline spends, SimplyCLICK is suited for online spends. Further, SimplySAVE provides 10X reward points for dining, movies, departmental stores and grocery spends and SimplyCLICK provides 10X reward points for online partners like Amazon, BookMyShow, Lenskart, UrbanClap etc.

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