SBI Simply Save Credit Card Review

SBI Simply Save Credit Card


The SBI Simply Save Credit Card is a top choice for those who are more into offline purchases mainly departmental stores and movies.

Fees and Charges

DescriptionAmount (Rs.)
Joining Fee499
Annual Fee499
Finance ChargesUp to 3.35% per month
Cash Advance Fee2.5% of transaction amount or Rs. 300
Annual Fee ReversalSpend Rs. 1 lakh annually for fee reversal

Late Fees:

Outstanding AmountCharges
Rs. 0 to Rs. 500NIL
Rs. 501 to Rs. 1,000Rs. 400
Rs. 1,001 to Rs. 10,000Rs. 750
Rs. 10,001 to Rs. 25,000Rs. 950
Rs. 25,001 to Rs. 50,000Rs. 1,100
Above Rs. 50,000Rs. 1,300

Other Fees:

Types of FeesAmount (In Rs.)
Card Replacement100
Rewards Redemption Fee99
Payment Dishonour500
Over Limit Fees600
Finance Charges3.50% per month
Cash Payment Fee250
Cash Advance Fees500
Foreign Currency Transaction fee3.5%
Processing Fee on all Rent Payment Transactions199
Balance Transfer1.7% per month (for 180 days tenure)


Spending CategoryReward Points per Rs. 100Return @ 50P per RP
Dining, Movies, Groceries, Departmental Stores102.5%
All Other Spends10.25%
1 Reward Point = Rs. 0.25


  • Fuel Surcharge Waiver: Enjoy 1% waiver for transactions between Rs. 500 and Rs. 3,000.
  • Annual Fee Reversal: Spend Rs. 1 lakh annually to reverse the fee.
  • Add-on Cards: Extend benefits to family with add-on cards.
  • Easy transfer of outstanding balances from other credit cards to SBI Simply Save Credit card at lower interest rates.
  • Avail the Easy Money offer for a cheque or draft against the cash limit.
  • Flexipay EMI: Convert purchases of Rs. 2,500+ into EMIs with Flexipay.

Additional Bonus Points Offer

Get 2,000 bonus points on eligible spends of Rs. 2,000+ within 60 days. (Reward redemption may have a fee of Rs. 99 + GST)

Eligibility Criteria

Age21-60 years
Income Criteria for Different Age Groups:
Less Than 30 YearsRs. 20,000
31-40 YearsRs. 30,000
More Than 40 YearsRs. 40,000
A CIBIL Score of 750 and above is required above the following income criteria for SBI Simply Save Credit Card application

Application Process for SBI Simply Save Credit Card

  1. Visit the official SBI website. (SBI Website)
  2. Navigate to the credit cards section.
  3. Choose ‘Simply Save’ and click ‘Apply Now’.
  4. Fill in the required details and submit.

Lounge Access

There are no lounge benefits with this card.


SBI Simply Save Credit Card

CC Expert

SBI Simply Save Credit Card
The SBI Simply Save Credit Card stands out as a preferred choice for those seeking more of an offline experience. Its counterpart SBI SimplyCilck Credit card is more focused towards online spending. This credit card is ideal to start a journey with SBI credit cards and those who love online shopping and who are unable to get SBI Cashback credit card.

SBI Simply Save Customer Care

For any assistance with any SBI Credit Card, you can reach out to the SBI Credit Card customer care through the following contact options:

  • Toll-Free Numbers:
    • 1800 180 1290
    • 1800 11 2211
    • 1800 425 3800
  • Standard Call Charges Apply:
    • 1860 180 1290
    • 39 02 02 02 (Prefix local STD Code)
  • Email:

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