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SBI SimplySAVE Advantage Credit Card

Recognised as one of India's leading banks, the State Bank of India provides customers with top-tier financial products and services. Its credit cards stand out by offering a variety of benefits and privileges tailored to meet customer needs. The SBI Simply Save Advantage Credit Card is designed to enhance your shopping experience while helping you save on every purchase.

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1st Year Fee

₹499₹499
  • First year fee upto:

    ₹499

Card Fee Type

    Card Network

      SimplySAVE Advantage SBI Card

      • SimplySAVE Advantage SBI Card

        1st year fee

        :  

        ₹ 499

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      SBI Simply Save Advantage Credit Card Highlights

      1. 10X Reward Points on movies, dining, groceries and department store purchases.
      2. Global acceptance at more than two million visa merchant outlets.
      3. 1% fuel surcharge waiver across all petrol pumps.
      4. Annual fees reversal on spends of Rs. 1,00,000 and above.

      Features & Advantages of SBI Simply Save Advantage Credit Card

      The various features and advantages of SBI Simply Save Advantage Credit Card are mentioned below:

      1. Accelerated Reward Points: Earn ten Reward Points for every Rs. 150 spent on dining, movies, departmental stores, and grocery purchases. For all other expenses, earn One Reward Point per Rs. 150 spent. (Four Reward Points = Rs. 1)
      2. Global Acceptance: The SimplySAVE Advantage SBI Card is an internationally accepted credit card, usable at over 24 million outlets worldwide, including 3,25,000 outlets across India.
      3. Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver at petrol pumps across India on transactions between Rs. 500 and Rs. 3,000. The maximum waiver allowed is Rs. 100 per statement cycle.
      4. Annual Fee Reversal: Get the annual membership fee waived from the second year onwards by spending Rs. 1,00,000 or more in the previous year using your SimplySAVE Advantage SBI Card.
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      Fees and Charges for SBI Simply Save Advantage Credit Card

      Type

      Fees and Charges

      Annual Fee (One time only)

      Rs 499

      Renewal Fee (per annum basis)

      Rs 499 second year onwards. In case, you spend Rs.1 lakh or more in the previous year, then the renewal fee is reversed.

      Add-on card Fee

      Nil

      Interest Free Credit

      Avail interest free credit period for 20 days to 50 days. This is applicable on retail purchases only. Outstanding amount of previous month should be cleared.

      Finance Charges

      3.75% per month (45% per annum)

      Minimum amount due

      Revised Calculation (if 5% of Finance Charges + Retail Spends and Cash Advances is less than Finance Charges): Total GST + EMI amount + 100% of Fees or Charges + 100% of Finance Charges + Overlimit Amount (if any)

      Limit on Cash Advance

      The cash advance can to up to a maximum of 80%, capped at Rs. 15,000 per day

      Free Credit Period

      Nil

      Finance Charges for Cash Advance

      3.75% per month (45% per annum)

      Cash Advance Fee at SBI ATMs or other bank ATMs

      2.5% of the total amount transacted (Subject to minimum amount of Rs.500)

      Cash Advance Fee at International ATMs

      2.5% of the total amount transacted (Subject to minimum amount of Rs.500)

      Cheque Pick Up

      Rs.100

      Fee for Payment Dishonour

      2% of the total amount transacted (Subject to minimum amount of Rs.500)

      Late Payment Charges

      1. From Rs.0 to Rs.500 - Nil
      2. More than Rs.500 up to Rs.1,000 - Rs.400
      3. More than Rs.1,000 up to Rs.10,000 - Rs.750
      4. More than Rs.10,000 up to Rs.25,000 - Rs.950
      5. More than Rs.10,000 up to Rs.50,000 - Rs.1,100
      6. More than Rs.50,000- Rs.1,300

      Overlimit Fee

      2.5% of the total overlimit amount (Subject to minimum amount of Rs. 600)

      Card Replacement Fee

      Rs 100 to Rs. 250

      Emergency card replacement, when overseas

      Actual fee along with extra US Dollars 175 for, and US Dollars 148 for Mastercard

      Conversion mark-up for Foreign Currency transactions

      3.5%

      Fee for Rewards Redemption

      Rs.99

      Fee for Cash Payment

      Rs.199

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      Eligibility Criteria for SBI SimplySAVE Advantage Credit Card

      You can get this card if you have a State Bank Group fixed deposit. The State Bank of India offers a variety of credit cards to meet a variety of demands. The SBI eligibility varies depending on the card. To see if you're eligible for SBI SimplySAVE Advantage Credit Card, go to HYPERLINK "http://www.sbicard.com/eapply"www.sbicard.com/eapply and click on 'Help me locate a card.'

      Documentation Required for SBI SimplySAVE Advantage Credit Card

      You need to submit a few documents to support your application and get an approval for the credit card. You need the following documents:

      1. Any one of the following as ID Proof:
        1. PAN card
        2. UID Aadhar Number
        3. Passport
        4. Voter ID
        5. License

      Things to know:

      1. Cheque will not be accepted if they are payable outside clearing the zones. The payment is accepted via local drafts or Cheque that are payable only in Delhi.
      2. Taxes are applicable on all the interest, fees and charges.
      3. You can choose to call the SBI card helpline number anytime you want.
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      FAQs on SBI SimplySAVE Advantage Card

      • How to check balance Reward Points?

        You can log on to sbicard.com and examine the summary of your card to view the reward point balance on your SBI Simple Save Advantage credit card. To find out your Reward Point balance, you may also send a text message from your registered cellphone number. This bit of information can also be seen on your credit card statement.

      • Can I avail Balance Transfer on multiple SBI cards?

        No, you can avail Balance Transfer facility will only one SBI card that you own.

      • Which are the credit cards that I can avail Balance Transfer for?

        Balance Transfer facility can be availed for all the different credit cards offered by various banks in India.

      • Can add-on cardholders use the Easy Money facility?

        No, add-on card holders cannot use the Easy Money Facility. Only the primary cardholder can avail Easy Money.

      • How is the billing for Flexipay done?

        You will be billed for your Flexipay as a part of your monthly statements. The first instalment that you have to pay for availing Flexipay facility will be there on your card statement after you book the particular facility.

      • How is the minimum due calculated?

        The minimum due is 5% of Total Outstanding (subject to a minimum Rs. 200) + GST + EMI (in case of loans).

      • Why does SBI require my personal documents?

        SBI only needs your PAN card and a valid ID. This is to verify your identification. This is a security measure that is mandatory at all banks.

      • Can I take SimplySAVE Advantage SBI add-on card for a friend?

        No, add on cards are available for your immediate family such as your spouse, parents, children or siblings above the age of 18.

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      Credit Card Eligibility
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      6. Yes Bank Credit Card Eligibility
      7. IndusInd Bank Credit Card Eligibility
      8. HSBC Credit Card Eligibility
      9. Kotak Credit Card Eligibility
      10. Canara Bank Credit Card Eligibility
      11. Standard Chartered Credit Card Eligibility
      12. RBL Bank Credit Card Eligibility
      13. Bank of Baroda Credit Card Eligibility
      14. Union Bank Credit Card Eligibility
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