The SBI SimplySAVE card is a credit card that caters to your everyday spending needs. True to its name, this card offers substantial savings and generous rewards for your regular expenses, including groceries, dining, travel, shopping, and movies SBI Simply SAVE Credit card, state bank credit card, apply, status.
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Here are some noteworthy features of the SimplySAVE SBI credit card:
The SBI Simply SAVE credit card offers a wide range of benefits across various categories including dining, movies, grocery shopping, fuel, and more. With this credit card, you have the opportunity to earn reward points on every purchase, which can be later redeemed at a rate of 4 reward points = Re. 1. Here are the key advantages of the SBI Simply SAVE Credit Card:
Type of Card | Entry Level |
---|---|
Best for | Daily expenses |
Joining fees | ₹499 |
Annual fees | ₹499 |
Welcome gift | ₹2000 bonus points on spending the same amount within 60 days |
Best feature | 10x reward points on grocery, dining, travel, shopping, and movies |
Apply Now | Apply by clicking on this link, the card will be approved in 24 hours |
The SBI Simply SAVE credit card offers a range of benefits in various categories, including dining, movies, grocery shopping, fuel, and more. With every purchase made using this card, you can earn reward points that can later be redeemed at a value of 4 reward points = Re. 1. Let’s explore the key features and benefits of the SBI Simply SAVE Credit Card:
Type of Fee/Charge | Amount |
---|---|
Joining Fee | Rs. 499 |
Annual/Renewal Fee | Rs. 499 (Reversed on spending Rs. 1 lakh in a year) |
Finance Charges | 3.50% p.m. (42% p.a.) |
Late Payment Fee* | |
Up to Rs. 500 | Nil |
Between Rs. 500 and Rs. 1,000 | Rs. 400 |
Between Rs. 1,000 and Rs. 10,000 | Rs. 750 |
Between Rs. 10,000 and Rs. 25,000 | Rs. 950 |
Between Rs. 25,000 and Rs. 50,000 | Rs. 1,100 |
Above Rs. 50,000 | Rs. 1,300 |
Guide to Applying for the SimplySAVE Credit Card:
- Go to the official website of optimidea to initiate your application for the SBI SimplySAVE Credit Card.
- Complete the application form by providing all the necessary details.
- Explore the available credit card options.
- Choose the SBI SimplySAVE Credit Card that suits your needs.
- Submit the credit card application form to proceed with the application process, and you’re finished!
Type of Fees | Amount |
---|---|
Joining Fees | ₹499 |
Annual Fees | ₹499 |
Add-on card fee | Nil |
Late Payment | Up to ₹500: 0 |
₹400- ₹500 – ₹1,000 | |
₹750- ₹1,000 – ₹10,000 | |
₹950- ₹10,000 – ₹25,000 | |
₹1100- ₹25,000 – ₹50,000 | |
₹1300- Above ₹50,000 | |
Statement retrieval | ₹100 per statement |
Card Replacement | ₹100 |
Foreign currency transaction fee | 3.5% of the total transaction value |
Finance Charges | 3.5% per month (42% per annum) |
Free Credit Period | Nil |
Cash advance fee | 2.5% of the withdrawn amount or ₹500, whichever is higher |
Overlimit fee | 2.5% of the overlimit amount or ₹600, whichever is higher |
Cash payment fee | ₹250 plus taxes |
Payment dishonour fee | 2% of the amount or ₹500, whichever is higher |
Reward redemption fee | ₹99 |
Up to 10X Reward Points Enjoy the opportunity to earn up to 10X reward points on selected categories. Here’s a breakdown of the earning potential: 10 reward points on every Rs. 150 spent on dining, movies, grocery shopping, and departmental store purchases
1 reward point per Rs. 150 spent on other categories.
Additional SBI Simply SAVE Credit Card Benefits In addition to the reward points, the SBI Simply SAVE Credit Card offers the following advantages:
Welcome Benefit: Receive 2,000 reward points when you spend Rs. 2,000 within 60 days of receiving your card.
- Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 3,000 at any petrol pump in India. You can avail a maximum waiver of Rs. 100 per statement cycle.
- Annual Fee Reversal: Experience an annual membership fee reversal starting from the second year of card usage by spending Rs. 1 lakh in the previous year.
- The SBI Simply SAVE Credit Card provides an array of benefits that cater to your everyday expenses and lifestyle choices. Make the most of your purchases and enjoy the rewards this card has to offer.
If you’re seeking a simple credit card with a low annual fee, the SBI Simply SAVE Credit Card is worth considering. With an annual fee of Rs. 499, it can be waived if you spend Rs. 1 lakh within a year. Additionally, this card allows you to accumulate reward points on all your transactions. In summary, you should consider applying for this credit card if:
- You engage in regular shopping at both grocery and departmental stores.
- Your objective is to accumulate reward points through your transactions.
- You have the capacity to spend Rs. 1 lakh within a year.
- Avoiding a high annual fee is important to you.
Earn Reward Points with SimplySAVE SBI Card
Rewards | Value |
---|---|
Extravaganza Rewards | 2000 points |
Shopping | 1 point per ₹150 spent |
Fee reversal | ₹499 |
Fuel freedom | ₹300 – ₹500 |
Redeeming Reward Points on SimplySAVE SBICredit Card
When you have accumulated enough reward points on your SimplySAVE SBIcredit card, you can enjoy exciting discounts, offers, and vouchers by redeeming them. The redemption process is straightforward and can be completed by following the step-by-step guide below:
- Step 1: Visit the SBI Card website. Step 2: Log in using your username and password. Step 3: Click on the ‘Rewards’ tab and select ‘Redeem Rewards.’ Step 4: Choose the desired reward and submit a redemption request. Step 5: That’s it! You will receive your chosen reward via SMS or email.
Features & Benefits of SimplySAVE SBI Card
Rewards: With the SimplySAVE SBI Card, you earn 1 reward point for every ₹150 spent. These points can be used towards credit card bill payment. Additionally, you can earn 10x reward points per ₹100 spent on Dining, Movies, Departmental Stores, and Grocery.
Welcome Gift: As a welcome offer, the SBI SimplySAVE credit card provides ₹2000 bonus points when you spend ₹2000 within 60 days of receiving the card. Furthermore, you can enjoy ₹100 cashback on your first ATM withdrawal within 30 days of card issuance.
Worldwide Acceptance: The SimplySAVE SBI Card is accepted at 24 million outlets and stores globally, including 325,000 outlets across India.
- Add-on Cards: Cardholders can benefit from add-on credit cards for family members above 18 years of age.
- EMI: Using FlexiPay, you can convert your expenses into easy EMIs, making it convenient to spread out payments for significant purchases over several months.
Utility Bills: Another advantage of the SimplySAVE credit card is the Easy Bill Pay facility, allowing you to pay utility bills such as electricity and telephone bills using your card SBI Simply SAVE Credit card, state bank credit card, apply, status.
Fuel Surcharge Waiver: Enjoy a 1% exemption on transactions between ₹500 and ₹3,000 at Indian petrol stations. The SBI SimplySAVE credit card provides a maximum waiver of ₹100 per statement cycle SBI Simply SAVE Credit card, state bank credit card, apply, status.
- Annual Fee Reversal: If you have spent ₹1 lakh or more in the previous year, you can have the annual membership fee for your SBI SimplySAVE credit card reversed.
SBI SimplySAVE Credit Card Customer Care: For any account or credit card-related questions or concerns, you can contact the SBI customer care team via phone at 1860 180 1290 or email at SBI Simply SAVE Credit card, state bank credit card, apply, status [email protected] .
SBI SimplySAVE Credit Card Bill Payment:
- Download the SBI Card mobile app and log in to your account.
- Go to the ‘Pay Now’ tab on the account summary page.
- Enter your mobile number and email address.
- Input the amount due for payment.
- Select your payment option, enter the bank name, and authorize the payment.
- Your SBICredit Card account will be promptly updated upon successful payment.
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Types of SBICredit Card Limit
SBI Card Available Credit Limit: This is the amount available for usage at a particular point in time. For instance, if your maximum limit is ₹2 lakh and you spend ₹50,000, the available credit limit will be ₹1.5 lakh.
3.50% p.m. (42% p.a.) SBI Card offers an interest-free period of 20 to 50 days to its users. This period is calculated between the last statement generation date to the current due date. During this period, no interest is charged on any of the purchases.
The available credit limit is the available credit on your card for spending, after all your earlier spending at that particular time. So on a card that has a total credit limit of Rs 50,000, if you have spent Rs. 15,000 already, then your available credit limit is Rs. 35,000.