Are you looking for a credit card that can simplify your savings while providing a range of benefits and rewards? Look no further than the SBI Simply Save Credit Card offered by the State Bank of India (SBI). As someone who values convenience and financial well-being, this card has caught my attention.

With the SBI Simply Save Credit Card, you can earn cashback and rewards on your everyday expenses, turning your regular purchases into opportunities for savings. Whether it’s dining out, shopping, or fueling up your vehicle, every transaction earns you valuable rewards points that can be redeemed for exciting options like vouchers, merchandise, or even direct statement credits. It’s like getting extra value for the money you’re already spending.

What sets the SBI Simply Save Credit Card apart are the additional features and benefits that make it a truly valuable companion. Imagine being able to save on fuel expenses with convenient fuel surcharge waivers or enjoying exclusive discounts and offers at partner merchants. These perks make your shopping and dining experiences even more enjoyable, helping you stretch your budget further.

Another feature that resonates with me is the contactless payment option. With just a simple tap of the card on contactless-enabled terminals, you can breeze through transactions effortlessly. It’s not only convenient but also adds peace of mind by reducing the risk of card fraud. No more fumbling with physical swiping or inserting cards—just a quick and secure payment method.

Furthermore, SBI ensures that managing your Simply Save Card is hassle-free. Whether it’s checking your transactions, viewing statements, making payments, or exploring additional services, you have easy access to all these features through online and mobile banking platforms. And in case you ever have any questions or need assistance, SBI’s reliable customer service is there to promptly address your concerns.

Of course, responsible financial management is crucial when it comes to credit cards. It’s important to make timely repayments and stay mindful of your spending to avoid unnecessary interest charges and maintain control over your finances. By using the Simply Save Credit Card responsibly, you can truly make the most of its benefits while ensuring your financial well-being.

In a nutshell, the SBI Simply Save Credit Card offers an appealing package of convenience, rewards, and peace of mind. As someone who appreciates simplicity and value, this card has proven to be a trusted financial companion. It’s time to experience the benefits it has to offer and simplify your savings journey.

SBI Simply Save Credit Card Benefits

Welcome Benefit:-

• Welcome Offer:- Spend Rs. 2000 or more in the initial 60 days of activating your card and get bonus 2000 reward points which are equivalent to Rs. 500/-.

Reward Points

• Earn 1 reward point on every 150 spent (4 reward points = Rupees 1)
• Get 10x reward points per Rs. 150/- spent on dining, movies, groceries, and departmental store.

Complete Fuel Freedom

Get freedom from a 1% surcharge at any petrol pump when you transact between 500-3000 rupees in India

Eligibility Criteria

Criteria	age	income
Salaried	18-65 years	Rs. 20000/- per month
Self-employed	21-65 years	Rs. 20000/- per month as per IT Return

Documents required to apply for

• Identity proof- Voter card, PAN card, Driving license, Passport or Aadhar card
• Address proof- Passport, Driving License, Aadhar card, Utility bill, or Ration Card
• Income proof- Latest bank statement, Latest salary slip, or latest audited financial reports

 

SBI SimplySave card maximum limit

This is one query that most like you and me want to know. I would be happy to share that SBI Simply save credit card offers different limits for different persons. Apply and check your own from here.

SBI SimplySave card annual fee

In short the SBI simply save credit card annual fees is 499/- but it can be waived if you do the necessary shopping from your card in preceding year. Here is a detailed table that explains about all other charges for this card.

Simply save SBI card charges:-

 

Type of Charges	amount
Joining Fees	Rs. 499/- (One time)
Renewal/annual Fees per year	Rs. 499/- (Waived off if previous year spent is 1 lakh)
Finance charge	Upto 3.5% per month (42% per annum)
Overdue finance Charge	3.65% per month (43.8% per annum)
Cash Payment Fee	Rs. 250/-
Cheque Payment Fee	Rs. 100/-
Cash advance fee at domestic ATM, International ATM and SBI ATM	2.5% of the transaction amount or Rs. 500/- whichever is higher
Over Limit	2.5% of the over limit amount or Rs. 600/- whichever is higher
Payment dishonour fee	2% of the amount (minimun Rs. 500/-)
Payment dishonour fee	2% of the amount (minimun Rs. 500/-)

SBI Simply Save card Lounge Access

Unfortunately being and entry level card it does not provide lounge access. for getting lounge facility you have to switch to premium cards of SBI.

How Can You apply for Simply save SBI credit card?

Offline process:

There is one offline and another is offline process. you can visit the nearest branch of SBI and apply for the card over there. SBI is having dedicated employee for the card apply process in the branch office itself.

Online process:

• visit official website of SBI. Here is the link https://www.sbicard.com/
• Click on Apply Now from the apply section
• Then all the cards will be visible
• choose SBI Simply save card from the list
• fill up the form and your necessary detailsIf you face any difficulty while filling the form you can contact the SBI credit card customer care number and get support while filling the form over the phone call.

Cards similar to Simply Save by SBI

Credit card	Annual fees	Distinguishive features
HDFC Money Back Credit Card	Rs. 500/-	4 reward points per 150 spent online
SBI Simply Click Credit Card	Rs. 499/-	10 reward points per 100 spent online at selected partners
Standard chartered Platinum Rewards Credit Cards	Rs. 250/-	5 reward points per 150 spent on selected partners dinning restaurants
Standard Chartered Super Value Titanium Credit Cards	Rs. 750/-	1 reward points per 150 spent online
HSBC smart Value Credit Card	Nil	3 reward points per 100 spent on selected partners dinning, telecom and online

 

In conclusion, the SBI Simply Save Credit Card is a highly appealing financial tool that offers a plethora of benefits and rewards for cardholders. Its cashback and rewards program is undeniably attractive, luring individuals into spending recklessly while creating the illusion of savings on everyday expenses.

The card’s various features, such as fuel surcharge waivers, dining discounts, and accelerated rewards on specific categories, might seem enticing at first glance. However, they often come with hidden fees and conditions that diminish the true value of these perks. In reality, the savings obtained are often outweighed by the costs incurred in maintaining the card.

While SBI positions itself as a reputable banking institution, this card serves as a strategic tool to lure customers into deeper financial entanglements. The bank capitalizes on individuals’ desires for convenience and instant gratification, without adequately disclosing the potential pitfalls of credit card debt.

Moreover, SBI’s customer service is often lacking, leaving cardholders frustrated and helpless when faced with issues or concerns. Their promises of swift resolution are nothing more than empty words, as many customers have reported prolonged wait times and ineffective assistance.

It’s crucial to recognize that the SBI Simply Save Credit Card can lead individuals down a dangerous path of debt and financial distress. The allure of rewards and benefits should not overshadow the importance of responsible financial management. It’s imperative to approach credit cards with caution, carefully tracking expenses, and ensuring timely repayments to avoid falling into a cycle of debt.

In summary, while the SBI bank’s Simply Save Credit Card may appear enticing, it’s important to approach it with skepticism. The card’s rewards and privileges often come with hidden costs, and the bank’s customer service leaves much to be desired. Individuals must exercise caution and prioritize responsible financial practices to avoid the potential pitfalls associated with this credit card.

There is also another credit card known as SBI SimplyClick credit card that offers online shopping facilities and huge reward point benefits.

Read also my about me section from here.

FAQ:-

How can I apply for SBI Simply SAVE Card?

You can apply for this card from the official website of State Bank and at the same time you can visit the branch also. It is up to your choice and there are some 3rd party websites also to apply for this type of card.

What is the interest-free grace period offered on SBI Simply SAVE Credit Card?

It is 20 to 50 days.

Is SBI SimplySave credit card good or bad?

If you are looking for an entry level credit card with online purchase intension and as a back up card, it is perfect for you. It comes with a low annual fees of 499 which can be waived off if you spend 1 lakh in the preceding year.

What is the limit of SBI credit card Simply Save?

SBI Card does not disclose the credit limit of any card as any specific limit. It varies from person to person. Even you yourself will come to know about the limit only in confirmation message inside the confirmation link. Before that no SBI call centre agent will be able to say what can be your credit limit. It also depends on your previous credit history.

What is the use of SBI SimplySave card?

SBI SimplySave credit card offers various savings on online transactions and offline spends. It is  in terms of accelerated reward points to spend based rewards to a  renewal fee waiver. The credit card offers more practical benefits that actually help us on a daily basis when we spend through this card.

Can I withdraw money from SBI simply Save credit card?

Yes you can withdraw money from this card. Now you might think ok. But is this chargeable? Yes it is definitely chargeable. And the charges are 2.5% of the amount that you withdraw or the flat Rs. 500 whichever is higher.

What is the annual fees of SBI Simply Save card?

The annual fees is 499+taxes extra as per current government rule.

How to pay SBI Simply Save card?

SBI SimplySave card bill payment: There are many options available for paying the outstanding bills for SBI Credit cards.

1. You can pay via SBI billdesk.
2. You can use Net banking of any other bank portal if you have any.
3. You can pay through your nearest ATM
4. You can also use the so popular SBI YONO mobile banking app to pay your outstanding bills.

How to transfer money from SBI Simply Save card to bank account?

To do so you have to call SBI Credit card Customer care number. Then request for a fund transfer and confirm the amount that you want to transfer. Provide the bank account number and other details that are required. At last follow the prompts that you receive to complete the transaction. It is applicable for SBI Simply Save Credit Card and others SBI Credit Cards and other cards.

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