SBI Simply Save Credit Card Review

The Simply Save Card is a multi-purpose credit card that you can use for your daily needs. Users can use the card on all Domestic or International merchants. It helps you earn big rewards and save on your shopping expenses. It also helps you to gain more when you use it to buy daily needs which belong to costly categories such as grocery, departmental store purchases, dining, and movies. Let’s learn more about this card. 

Eligibility Criteria:

  • Resident Type: Indian.  
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: ₹20,000 + GST
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹20,000 + GST
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest Salary Slip (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return.
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹499 + GST


  • Welcome benefit:

When you first withdraw cash from ATM with this card you will get a Cash-Back of ₹100. The validity of this offer is only 30 days from the card issuance. 

  • Reward benefit:

With ₹100 spend on Dining, Movies, Departmental Stores, and Grocery you will get 10 reward points.

When you spend Rs.100 on other purposes, you will get 1 reward point.

(Every 4 reward points is equal to Rs.1)

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges at any fuel stations in India, you can get a maximum of ₹100 waivers in a month. The transaction amount should be between ₹500 to ₹3000.

  • Annual fee waiver:

If you can spend ₹1,00,000 with your card within a year then the annual fee for the next year will be waived off. 

  • Add on card:

You can add any 2 of your family members like parents, spouse, and siblings with the SIMPLY SAVE SBI CARD card as an add-on member. The member’s age should be minimum of 18 years.

  • Flexipay:

By using flexipay you can convert your transaction into easy monthly installment. 

  • Balance transfer:

You can Transfer your other bank credit card’s outstanding to your SIMPLY SAVE SBI CARD and pay back it in EMIs with a lower interest rate.

  • Global acceptance:

SIMPLY SAVE SBI CARD is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make payments.


  • Cash Withdrawal Charge: 2.5% against the withdrawal amount, min ₹500. 
  • Finance Charge: 3.50% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings:


Final Opinion:

Simply Save SBI Card is best for those who want to earn reward points from their daily uses, especially from offline shopping. You can get 10 reward points for each ₹100 to spend on departmental stores, and grocery, dining, and movies. So if you are looking for a low-cost credit card for your daily use, you can get this card. 

But if you are ready to spend more to get some extra benefits, then you can go for Axis Bank Privilege Credit Card, and if you want to earn benefits from online shopping, you can check ICICI Amazon Pay Credit Card

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