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About Card

SBI SimplySAVE Credit Card

SBi simply save card is a great choice for the user who wants are new to credit and don’t want to use high charges cards, With an annual fee of Rs. 499, the cardholder gets 2,000 Bonus Reward points as a welcome benefit which is similar to Rs 500, means you get your 499 rs back  You also earn reward point on online shopping, Dinning, movie, departmental and grocery.With spending of Rs 1 lakh in a year option of Renewal fee waiver is also available. To know more about the card keep reading the below articles


Joining Fee


Best Suited For

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SBI SimplySAVE Credit Card


₹ 499 (plus applicable taxes)

Reward Points


What you'll love

  • On spending Rs. 2,000 within the 60 days of card activation get 2,000 bonus RPs that are worth Rs. 500.
  • 1 Reward Point for every spends of Rs. 100.
  • 10X Reward Points on spending movies, dining, grocery categories, and departmental stores.
  • Annual renewal fee reversed on the expenditure of a minimum of Rs. 1 lakh in the preceding year.
  • 1% fuel surcharge wavier.


  • Photo id: Pan Card, Addhar card, Passport, Voter id, Job Card issued by Nerega

  • Valid address Proof- Addhar card, Passport, Voter id card, House Registry documents,Utility bill not more than 2 months old

  • Income proof: Latest 2 month’s salary slip, latest form 16, and latest bank statement

You'll also love

Rewards Benefit

  • Get 10 Rewards points per 150 Rs spent on movies, dining, grocery categories, and departmental stores.
  • Get 1 Rewards point per 150 Rs spent on other categories 

Reward redemption:

  • Reward points can be on Sbi Rewardz portal,,,, 4 Reward point is equal Rs 1 

Welcome Benefit

  • 2,000 bonus reward points on spending Rs. 2,000 within 60 days of card issuance

Fee Waiver

  • Get a Renewal  fee waiver on spending 1 lakh or more in the previous year

Fuel surchager wavier

Get a 1% fuel surcharge waiver for all fuel transactions between Rs. 500 and Rs. 3,000.

Insurance benefit

  • Na

Why Should You Choose This Card?

If you are a first-time credit card user you can start your journey with Sbi simply save the nominal annual fee of just Rs. 499, and you get reward points, on movies and dining spends,if you shop frequently online this card  would be more suitable pick for you & No doubt if you are a new user and looking for a basic credit card with reward benefits, you should undoubtedly apply for this one


For Salaried

  • Indian National
    Age: Min 21 years & Max 60 Years,
    Net Monthly Income> Rs 20,000

For Self Employed

  • Indian National
    Age: Min 21 yrs & Max 65 Yrs
    Income: ITR > ₹20,000 per month

Fees and Charges on the SBI SimplySAVE Credit Card

Fees & Charges


Joining Fees

499+ taxes

Renewal Fees

499+ Taxes, Renewal fee waiver on spending 1 lakh or more in the previous year

Interest-free period

Up to 50 days

Cash Withdrawal Limit

30 % of the card limit

Foreign Exchange Markup


Finance Charges/Cash Advance Fee

2.50% of the amount

Over Limit Fee

2.50% of the amount

Late Payment Charges

For Amount

  • Rs.500 –  Nil
  • Rs. 500 – Rs. 1000 – Rs. 400
  • Rs. 1000 – Rs. 10,000 –Rs. 750
  • Rs. 10,000 – Rs. 25,000 – Rs. 950
  • Rs. 25,000 – Rs. 50,000 – Rs. 1100
  • Rs. 50,000 – Rs. 1300 

Payment Return Charges ( For Chq/Auto Pay)

Rs 350 Per instance

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FAQs on SBI SimplySAVE Credit Card

  • No , you don’t get anyt lounges access with this card

  • Yes, you can pay electricity, mobile, telephone, and other bills using the EasyPay facility provided by SBI Card.

  • Renewal fee can be waived off on incurring Rs. 1 lakh in the previous year

  • You can make payment by using net banking or can pay by loging into official website of the card. the online payment options include NEFT, electronic bill payment, National Automated Clearing House (NACH), Visa credit card pay, pay via debit card etc. You can pay the credit card bill offline by cash, cheque, demand draft and SBI ATM.

  • Enhancemnet in credit card limit is depend on your repayment behaviour with bank, if you maintain good record bank enhance your credit limit