SBI Simply Save Credit Card is a simple credit card for everyday purchases. As the name suggests, it gives the customer the opportunity to earn rewards and purchases on every transaction. You can earn more benefits with this credit card in various areas, such as supermarkets, department store purchases, dining, and movies. It is a perfect card for beginners new to the credit scene and seeking to save money on everyday expenses.
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Key Highlights
| Suitability | Beginner Card |
| Joining Charges | INR 499 |
| Annual Charges | INR 499 |
| SBI Simply Save Credit Card Reward Points | It offers 10X points on dining, movies, groceries, and department store purchases. |
| SBI Simply Save Credit Card Limit (Over limit) | INR600 or 2.5% of the over-limit amount (whichever is more) |
SBI Simply Credit Card Features and Benefits –
Mentioned below are the features and benefits of SBI Simply Save Credit Card:
- The customer will get an extra 2000 Rps – worth INR 500 if he spends INR 2000 within 60 days of card activation.
- The cardholder will get a 1% fuel surcharge waiver on every fuel transaction between Rs.500 to Rs.3000. It should be noted that a maximum or maximum of INR One hundred per month can be waived.
- Card annual fees will be waived if the cardholder spends 1 lakh or more in the previous year.
- For every transaction of Rs100, the cardholder will get one reward point.
- Cardholders will get 10X reward points (reward rate = 2.5%) for every 100 INR spent on eating, department stores, movies, and groceries.
Cardholders can redeem reward points in the following manner –
- Against gift vouchers by logging into SBI card.com or via the SBI mobile app.
- Against the card’s outstanding amount through Internet banking.
- 1 Reward Point = INR 0.25, i.e., 4 Reward Points = Re. 1.
SBI Card Fees and Charges
It is very important for a customer to know about the fees and charges of the credit card before buying it. There are not only annual fees that are charged. Many other charges have to be paid by the customer, like -interest rates, forex markup fees, cash advance fees, and many more.
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
SBI Simply Save Credit Card fees and charges are listed below –
| Joining Charges | INR 499 |
| Annual Charges | INR 499 |
| Finance Charges | 42% p.a. |
| Late Payment Charges | INR 400 between INR 500 and INR 1,000.INR 750 between INR 1,000 and INR 10,000.INR 950 between INR 10,000 and INR 25,000.INR 1,100 between INR 25,000 and INR 50,000.INR 1,300 for amounts greater than INR 50,000. |
SBI Simply Save Credit Card Eligibility –
Getting a credit card is not as easy as it seems to some individuals. Ever bank has a criteria that has to be fulfilled by the customer to qualify for getting the credit card. The factors that influence your eligibility are age, income, and credit history. So, make sure to check for a credit card’s eligibility criteria before applying for it. The following is the criteria for the Simply Save SBI Card:
The eligibility criteria that you need to meet to apply for the Card are mentioned in the table below-
| Age | 21 – 70 |
| Occupation | Self-employed or Salaried |
Documents Required To Apply For SBI Simply Save Credit Card –
Certain documents need to be submitted to the card issuer to validate all the information you have given on your credit card application.
The following documents are required to apply for a Simply Save Credit Card.
- Voter ID, PAN Card, Driving License, Aadhar Card, or Passport are all acceptable forms of identification.
- Aadhar Cards, Ration cards, Utility Bills, passports, or Driving licenses are acceptable forms of address proof that must be submitted for credit card approval.
- Income documentation is also required, including the most recent bank statement, salary slips, or audited financial report.
How to Apply for SBI Simply Save Credit Card –
Before hitting on the SBI Credit Card apply button, one should follow below mentioned steps –
- Offline Process –
If you prefer to submit an SBI Save Credit Card offline, you must go to the nearest SBI branch and request an SBI Credit card form from the branch executive. After that, read it properly and fill the form correctly.
- Online Process –
You can apply for SBI Credit card online by following methods –
Step 1: Visit the official SBI Card website at https://www.sbicard.com/
Step 2: After this, you will see the Apply column; under that, you must click the Apply Now option.
Step 3: After that, you will see all the cards on the screen.
Step 4: Choose the Simply Save Credit Card option and press the Apply Now option.
Step 5: At the end, fill in all the information and submit the application.
How to Check SBI Simply Save Credit Card Application Status?
Following are the steps to check the SBI Simply Save Credit card application –
- The credit card option is on visiting SBI Card’s official website. At the bottom of the page, you will see the option of “Track Application” Click on that option by entering your application number you will get the status of your application.
- You can also contact the SBI customer care executive; he will tell you your card status.
- If you don’t prefer calling or other online methods, you can simply visit your closest branch and request the bank officials to assist you in knowing the status of your application.
SBI Simply Save Credit Card Customer Care
- To contact SBI Simple Save Card customer care, you can call these numbers: 1860 180 1290, 1860 500 1290, 39 02 02 02, or 1800 180 1290 (toll-free).
- You can also reach SBI Card customer care on Twitter at @SBICard Connect.
