SBI Simply Save Credit Card Review

The sbi simplysave credit card is one of the most popular credit cards among the Indians looking to earn reward points from their everyday expenses. Targeting the educated section of Indian credit card users, this card offers powerful sbi credit card rewards on everyday expenses, exclusive discounts on dining expenses, a handsome waiver on fuel surcharges, and lots more. More about the sbi simply save credit card benefits are discussed below.

How does the sbi simply save credit card eligibility work?

• Resident Type: Indian. 
• SBI credit card eligibility criteria for salaried person:
  • Age: 18 to 60 years. 
  • Income: Rs. 20,000 monthly. 
• SBI credit card eligibility criteria for self-employed person:
  • Age: 18 to 65 years. 
  • Income: Rs. 30,000 monthly. 
• A good CIBIL score (750 or more) is mandatory to apply for this simply save card.

As you submit your sbi simply save credit card application you will get a unique application id, later you can use that to track your sbi credit card application status.

What documents are required for a sbi simply save credit card application?

• 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 slips. (3 months) 
    • ITR (Income Tax Return)
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recent audited financial report.

As per the new rules, all new sbi simply save credit cards are delivered in an inactive state. And to activate them, the users need to generate a new four-digit PIN. You can find more about the sbi simply save credit card activation process from our faq page.

What are the sbi credit card fees?

• SBI simply save credit card joining fee: Rs. 499 + GST
• SBI simply save credit card annual fee: Rs. 499 + GST. (can be waived off if Rs. 1,00,000 or more is spent within a year)

What are the benefits of sbi simply save credit card? 

• Get started with a huge joining bonus:

As you pay the SBI card’s first year joining fee and complete Rs.2,000 spent with your card within the first 60 days of activation, you will get 2,000 sbi simply save credit card reward points as a welcome gift. 

• Make every transaction rewarding:

The sbi simply save credit card offers powerful rewards on your everyday expenses. 

Category of transaction	Rate of earning sbi credit card rewards
Movies, groceries, and spending made at departmental stores	10 sbi credit card rewards points
All other transactions	1 sbi rewards point

You can check your sbi simply save credit card status from your net banking account or just by calling the sbi credit card helpline number given below. 

• Dine with more delight:

For every Rs.100 transaction, you make using this simplysave visa card, you will get 10 reward points. This sbi simply save credit card fuel surcharge waiver offer is applicable at most of the leading restaurants in India.

• Enjoy freedom from fuel surcharges:

If you use this simply save sbi credit card or fuel expenses, you will get a 1% waiver on fuel surcharges. The transaction amount should be between Rs.500 to Rs.3,000, and you can get a maximum waiver of Rs.100 in a sbi credit card billing cycle.

• Opportunity to make your card lifetime free:

On spending Rs.1,00,000 with your simply save card within a year, you can get a complete waiver on next year’s sbi credit card annual charges.

You can keep track of your available sbi simply save credit card limit from your online banking account or just by calling the sbi bank credit card customer care number. 

• Instant balance transfer facility:

SBI allows you to transfer the outstandings of your other cards to your simply save credit card to get a lower interest rate against your dues. 

• Enjoy the convenience of auto-pay:

If you register for the sbi credit card auto debit feature, all of your utility bills will get paid within their due dates. You can control the autopay option from your sbi credit card net banking account.

• Enjoy easy bill splitting:

Using the sbi credit card flexipay option, you can split any of your high-value transactions (above Rs.2,500) into small monthly installments. You can calculate the monthly installments from the sbi credit card loan emi calculator.

• Enjoy the convenience of the contactless payment:

This sbi simply save card is equipped with the advanced contactless payment facility, this feature allows you to make sbi credit card payments, just by placing your card over any contactless-enabled POS machine. You can turn on/off your domestic contactless usage for sbi credit card from your online banking account, click here to go to the sbicard login page.

What are the sbi simply save credit card charges?

Particulars	Payable Amount
SBI simply save credit card cash withdrawal charges	2.5% against the withdrawn amount (min Rs. 500) Check your sbi simply save credit card credit limit before making a withdrawal.
SBI credit card interest rate	The sbi credit card interest can go up to 3.35% monthly & 40.2% annually.
SBI credit card foreign transaction fee	3.35% against the transaction amount.
Simply save sbi card add-on card fee	Free for a lifetime.

If you want to change your registered mailing address then you can download the sbi credit card address change form from here. 

How to contact the sbi credit card customer care department?

• Call the customer care number of sbi credit card: 1860 180 1290 / 3902-0202 (add the STD code of your locality) or 1860 180 7777
• Write to the sbi credit card customer care mail id: customercare@sbicard.com  

100xGain Ratings:

7.5/10

Pros and cons of the simply save sbi card:

Pros	Cons
This sbi simply save credit card offers a very good reward earning rate. You can also earn a handsome waiver on fuel surcharges.	There are no travel benefits on this simplysave sbi card.

If you don’t want to continue with your existing simplysave credit card and are thinking about how to close sbi simply save credit card account permanently, then feel free to take a look at our faq page.

Final Opinion:

After analyzing the simply save sbi card benefits I can say that this sbi simply save credit card is best for everyday uses, as it offers reward points from every purchase, EMI facility, Fuel surcharge waiver, and extra sbi card rewards on everyday expenses. Although this simply save card lacks some benefits like free movie tickets or some special Cash-Back offers, it can be said that it gives the best possible benefits at this cost. So if you are looking for a card for your daily needs, it can be a good option for you.

But if you want some more benefits then take a look at the alternative card options. We have chosen those cards, especially for you. 

Alternative cards of sbi simply save credit cards: 

1. HSBC visa platinum credit card (Best for dining and fuel surcharge waiver)
2. PNB global platinum credit card (Best for reward point and dining benefit)
3. RBL paisa on demand credit card (Best for reward point and movie benefit)
4. Syndicate bank classic credit card (Best for earning reward points)