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SBI Card Simply Save Credit Card

SBI SimplyClick is a perfect all-in-one credit card for online shoppers. Grab 10X rewards points at Amazon, BookMyShow, Cleartrip, Lenskart & Netmeds. 5X rewards on all other online spends. With each card swipe you enjoy amazing deals, discounts & value back offers daily.

Table of Contents: SimplyCLICK SBI Card
Features of Simply Save SBI Credit Card

SimplySAVE SBI Card Card is a lifestyle & rewards credit card that gives you attractive cashback and reward points on all expenses done on dining, grocery, departmental store, and movie tickets. This card comes at an annual and renewal fee of Rs. 499.  

Welcome Offer

As a welcome gift, you get  100 cash back on your first cash withdrawal from the ATM within 30 days of receiving SimplySAVE SBI Card.

  • Contactless Advantage
  • Worldwide Acceptance
  • Utility Bill Payment Facility
  • Balance Transfer on EMI
  • Flexipay
  • Cash on the Go
  • Fast & convenient transactions
  • Easy Money

Additional Info: Also Check SBI Balance Check Number

Annual Fee & Joining Fee

Joining Fees: Rs 499 
Annual Fees: Rs 499 (reversed on Rs 1 Lakh Spends in the previous year)

Eligibility for SIMPLYSAVE SBI Credit Card

Should be an Indian resident

Minimum age of 18 years

Must be salaried or self employed

Possess last 3 months bank statements

Documents required for SIMPLYSAVE SBI Credit Card
  • KYC fulfilment: Passport/ Voter’s ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card
  • Address proof: Utility Bills/ Ration Card/ Passport
  • ID proof: Aadhar Card/ PAN card/ Driving license/ Voter Id Card
  • Income Proof: Last 3 Salary slips / bank statements
  • Photographs

Additional Info: Also Check How to Use Credit Cards in India?

Why Choose SimplySAVE SBI Card?

Essentially a Lifestyle and Rewards Credit Card

    • Cash back & reward points with everyday spends on dining, grocery, departmental store & movie tickets booking
    • Additional saving in the first & second month of joining
    • Enjoy fuel surcharge waiver
    • Reverse renewal fee on annual spends of 90,000
    • Global acceptance
    • Flexipay
    • Contactless Advantage
    • Worldwide Acceptance
    • Cash on the Go
    • Utility Bill Payment Facility
    • BT on EMI
Cashback & Rewards benefits

Every  100 spent from your SimplySAVE SBI Card earns you 1 Reward Point.

You can use earned points to pay the outstanding balance on your credit card or redeem against a wide array of gifts listed in the rewards catalogue.

Contactless Advantage

Avail contactless advantage with SimplySAVE SBI Card. The contactless technology enables transactions by merely waving the card. You do not need to swipe the card for transactions physically.

Fast & convenient transactions:  Wave the card and make transaction, no need to physically hand over card or bother about cash for small ticket everyday purchases.

Safe and Secure:  SimplySAVE SBI Card employs Visa payWave that ensures one transaction despite multiple card waves at the terminal.

The contactless technology also protects you against counterfeit transactions as card never leaves your hand.

Worldwide Acceptance

SimplySAVE SBI Card can be globally used at any outlet that accepts Visa or MasterCard. Precisely you can use your SBI Card over 24 million outlets, including 3,25,000 outlets in India.

Add-on Cards

You can apply for Add-On cards with SimplySAVE SBI Card for your parents, spouse, children or siblings. The Add On card must be applied for people above the age of 18.

Cash on the Go

You can conveniently withdraw cash from over 1 million Visa or MasterCard ATMs across the globe.

Utility Bill Payment Facility

With Easy Bill Pay facility you can instantly pay your utility bills for electricity, telephone or mobile.

Balance Transfer on EMI

Conveniently transfer the outstanding dues of your other credit cards to SimplySAVE SBI Card at a lower rate of interest and set affordable EMIs.

Flexipay

For any purchase of  2,500 or more on your SimplySAVE SBI Card you can opt for Flexipay and convert your outstanding balance into easy monthly instalments. To avail Flexipay facility log in with your username and password by visiting sbicard.com within 30 days of spending.

Easy Money

Easy Money on SBI Card ensures ready money for emergency. You can request a draft or cheque against your cash limit by logging in to sbicard.com. The cheque/draft is delivered at your doorstep.

Fees and Charges

  • One time annual fee for the first year:  499
  • Renewal Fee from second year:  499. The renewal fee is reversed if annual spends in the previous year are  1,00,000 or more.
  • Add-on Fee (per annum): Nil
  • Extended Credit: If you diligently pay out previous months? outstanding balance, you enjoy interest free credit period of 20-50 days for retail purchases.
  • Finance charges: Finance charges are up to 3.35% per month, and can be up to 40.2% p.a.
  • Minimum amount due: 5% of Total Outstanding (Min.  200 + applicable taxes + EMI (where applicable) + OVL amount (if any)
  • Cash Advance Limit: Up to 80% of credit limit. Maximum  12,000 per day.
  • Free Credit Period: Nil
  • Cash Advance Fee: 2.5% of transaction amount from SBI ATMs or other ATMs; Minimum of  300.
  • 3% of transaction amount at International ATMs; Minimum of  300
  • Cheque pick up:  100
  • Cheque Fee:  100 (for cheque up to  10,000)
  • Payment Dishonour fee: 2% of the payment amount; minimum:  450
  • Statement retrieval:  100 per statements older than two or more months
  • Late payment: NIL for amount up to  200;  100 for dues ranging between  200 –  500;  400 for dues in the range of  500 –  1000;  600 for dues between  1000 –  10,000;  800 for dues from  10,000 –  25,000;  950 for dues greater than  25,000
  • Overlimit: 2.5% of the overlimit amount, 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%
  • Dynamic Currency Conversion:
    • Mark up Fee: 3.50%
    • Rewards redemption fee:  99
  • Priority Pass Lounge Charges: Under Priority Pass, all Airport Lounge visits within India will be charged with a usage fee of $27/ visit + applicable taxes.
  • Outside India, Airport Lounge visits through the Priority Pass Program will be charged with a usage fee of $27/ visit + applicable taxes after exhausting the complimentary visits.
  • All guests accompanied by the SBI Cardholder having the Priority Pass will be charged with a usage fee of $27/ visit + applicable taxes for visiting the Airport Lounge.
  • Cash Payment fee:  100
  • Surcharge on Railway tickets through Railway counters:  30 + 2.5% of transaction amount; through irctc.co.in : 1.8% of transaction amount + taxes  as applicable
  • Surcharge on fuel and all products and services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between  500 and  3,000. Maximum surcharge waiver of  100 per statement cycle per card account.
  • Order of Payment Settlement: All payments will be settled in the order of Minimum Amount Due (inclusive of all applicable taxes + EMI + 5% of Total Outstanding), Fees & Other Charges, & Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

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