Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI SimplySAVE Advantage Credit Card

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    State Bank of India is one of the top banks across the globe that offers great financial services and products to its customers. The credit cards offered by this bank are unique and come with several perks and privileges that are designed to meet the needs and requirements of the customers. The SBI Simply Save Advantage credit card is designed for shopping needs and also allows you to save a great deal on all your spends.


    • 10X Reward Points on movies, dining, groceries and departmental store purchases.
    • Global acceptance at more than two million visa merchant outlets.
    • No more fuel surcharge.
    • Avail fee reversal for annual membership renewal from the second year.

    Benefits of SBI Simply Save Advantage Credit Card:

    The Simply Save card offered by State Bank of India comes with a myriad of benefits. These are as follows:

    • Reward Points - For every Rs 100 that you spend using your SBI Simply Save Advantage credit card you can earn 1 Reward Point. These Reward Points can be used by you to clear your outstanding bills on the credit card. You may also choose to avail gifts using the earned points. You may find the catalogue for the wide range of gifts on the website of the bank. Enjoy 10X Reward Points on all your grocery shopping and purchases at the departmental stores. With this particular SBI credit card, 4 Reward Points amount to Re 1.
    • Welcome Offer - Enjoy cashback of Rs 100 on your first withdrawal from an ATM. However, the withdrawal must happen within the first thirty days from the day you get your SBI Simply Save Advantage credit card.
    • Global Acceptance - This particular SBI credit card can be used by you at more than 24 million merchant outlets across the globe. In India, you can use the SBI Simply Save Advantage card at 3,25,000 merchant outlets. All outlets that accept MasterCard or Visa will accept your SBI credit card.
    • Additional Cards - You can choose to empower your loved ones with additional or supplementary cards. People who can avail these SBI add-on cards are your children, spouse, parents and siblings. The holder of the add-on card must be at least 18 years old.

    Features of SBI Simply Save Advantage Credit Card:

    • Cash on the Go - You can withdraw cash whenever you want from automated teller machines across the world that accepts Visa or MasterCard cards.
    • Online Booking of the Railway Tickets - You can book your railway tickets using your SBI Simply Save Advantage card and get them delivered to your address. All you need to do is browse to the IRCTC website and register for free. After this, you must log in with your credentials (username and password) and follow the onscreen instructions to book your ticket. At the payment gateway, you can make use of your SBI Simple Save card to pay for the reservation.
    • Facility for Utility Bill Payment - You can choose to pay all your electricity bills, phone bills, mobile bills and other utility bills using the SBI Simply Save Advantage credit card.
    • EMI Balance Transfer - You can save a lot of money while paying the outstanding amount on your credit card. The outstanding balance on the credit cards of other banks can be transferred to your SBI Simply Save Advantage card. This way, you will be able to enjoy lower rates of interest and can pay back in easy monthly installments. In order to avail this service, you must log on you using your user id and password.
    • Flexipay - Using the Flexipay facility, you can convert all your transactions on the SBI card to easy monthly installments. You must remember that the minimum purchase must be worth Rs 2,500 for availing Flexipay. All you need to do is log on to and convert your purchase to monthly installments. Make sure you do it within 30 days from the date of purchase.
    • Easy Money - Avail a Cheque or draft against the cash limit and get it delivered at your address using the Easy Money facility.

    Fees and Charges:

    TypeFees and Charges
    Annual Fee (One Time only)Rs 499
    Renewal Fee (per annum basis)Rs 499. In case, you spend more than Rs 75,000 in the previous year then the renewal fee is reversed.
    Add-on card FeeNil
    Interest Free CreditAvail 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 ChargesAvail finance charges of 2.50% on a monthly basis (30% per annum on all transactions).
    Minimum amount due5% of the total outstanding balance (Minimum of Rs 200 along with all the applicable taxes)
    Limit on Cash AdvanceThe cash advance can to up to a maximum of 80%, capped at Rs 12,000 per day
    Free Credit PeriodNil
    Finance Charges for Cash AdvanceAvail finance charges of 2.50% on a monthly basis (30% per annum on all transactions).
    Cash Advance Fee at SBI ATMs or other bank ATMs2.5% of the total amount transacted (Subject to minimum amount of Rs 300)
    Cash Advance Fee at International ATMs3% of the total amount transacted (Subject to minimum amount of Rs 300)
    Cheque Pick UpRs 90
    Fee for Payment Dishonor2% of the total amount transacted (Subject to minimum amount of Rs 350)
    Retrieval of StatementRs 100 for each statement (2 months or more old)
    Retrieval of Charge SlipRs 225 for every slip
    Late Payment Charges0 if outstanding balance is less than Rs 200; Rs 100 if outstanding balance is between Rs 200 and Rs 500; Rs 400 if outstanding balance is between Rs 500 and Rs 1,000; Rs 500 if the outstanding balance is between Rs 1,000 and Rs 10,000; Rs 750 if the outstanding balance is above Rs 10,000
    Overlimit Fee3% of the total overlimit amount(Subject to minimum amount of Rs 500)
    Card Replacement FeeRs 100
    Emergency card replacement, when overseasActual fee along with extra $175
    Conversion mark-up for Foreign Currency transactions3.5%
    Fee for Rewards RedemptionRs 99
    Fee for Cash PaymentRs 100
    Railway Ticket Surcharge at the countersRs 30 along with 2.50% of the total transaction amount
    Railway Ticket Surcharge via online (IRCTC website)1.80% of the total transaction amount along with applicable service charge


    You can avail of this card against a fixed deposit with State Bank Group. State Bank of India offers an array of credit cards designed to suit different needs of people. The SBI eligibility differs from card to card. Use the eligibility calculator on to find out if you are eligible for an IRCTC SBI card, or visit HYPERLINK "" and click on 'Help me find a card'.


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

    • PAN card
    • Any one of the following as ID Proof:
      • PAN card
      • UID Aadhar Number
      • Passport
      • Voter ID
      • License

    Things to know:

    • 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.
    • Taxes are applicable on all the interest, fees and charges.
    • You can choose to call the SBI card helpline number anytime you want.

    SBI SimplySAVE Advantage Card FAQs:

    1. How to check balance Reward Points?

      In order to check reward point balance on your SBI Simple Save Advantage credit card, you can to log on to and view the summary of your card. You can also send a text message from your registered mobile number to know about your Reward Point balance. You will also find this piece of information on your credit card statement.

    2. Can I avail Balance Transfer on multiple SBI cards?

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

    3. 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.

    4. 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.

    5. 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.

    6. 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).

    7. I have paid my balance transfer outstanding but it has not been reflected. Why is this?

      There is an order of payment settlement which SBI credit cards follow.

      • Minimum Amount due
      • Fees and other charges
      • Interest charges
      • Balance Transfer outstanding
      • Retail outstanding
      • Cash advance

      If you have a minimum amount due, the money would be directed towards paying that before clearing your balance transfer amount.

    8. 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.

    9. How do I book railway tickets online?

      You can book railway tickets online and have them delivered to your office or home with your SimplySAVE Advantage SBI Card. To book tickets, follow these steps:

      • Register on for free
      • Log in to your account with your username and password
      • Follow the instructions on the website to book your ticket
      • Make the payment through your credit card
    10. 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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    SBI SimplySAVE Advantage Credit Card Reviews

    • SBI Cards Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am holding a Simplysave credit card from State Bank of India. I don't get any offers till now. They have offered me a credit limit of Rs. 53000. Their balance transfer facility is really good and they are charging me 0.75%. 6 months ago, i got this credit card.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 31, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Better card"
      0.5 3.0/5 "Satisfactory"
      I am having a credit card with State Bank of India. They are charging me annual fee for any cards and compensating with coupons instead of this they could waive off the charges. The credit limit is 4L. I have upgraded my card from Signature card to Simply Save with the same limit but the annual fee is less than earlier.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 28, 2019
    • SBI Cards Credit Card
      "Very Good card and my first card"
      0.5 5.0/5 "Blown Away!"
      I hold a simply save card from SBI. 3 years ago, i bought the card. SBI customer care service is fine and its easy to connect with them. In this card, i have a balance transfer facility available. This card have a cash withdrawal limit of Rs. 8500. I'm using the SBI app and its fine to use.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jun 24, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI simply save credit card for long time,they have charged me annual fee in this card up to 499 rupees, but there is waived off option is available , and i am not happy with my credit limit they said me 50,000 while i applied , they have given me just 40,000 it is too low for me.
      Was this review helpful? 1
      , lucknow
      Reviewed on Dec 15, 2018
    • SBI Cards Credit Card
      " SBI Credit cards"
      0.5 0.5/5 "Unacceptable"
      Do not trust SBI.. Cannot solve any problem. These people are there only to take money from any means.. Requested to cancel the card and haven't done yet, now charged annual fee+tax . Got many fake calls only for this card. No way helpful . Very poor security. Charged around 2000 since the card issued. Now when I call them they don't even respond properly.
      Was this review helpful? 11
      , hyderabad
      Reviewed on Oct 01, 2018
    • SBI Cards Credit Card
      "Good. Can do better in the limit"
      0.5 4.0/5 "Great!"
      Everything was fine with SBI simply save credit card. The process was good. But they have given me a very low credit limit. My salary is of 45K and I was given a limit of 38K. This is my first credit card. I hope they enhance it soon. There are offers of Cash back and rewards are there is a emi facility too. There is a annual fee of 599, if I spend 40K in a year, it will be waive off. I purchased a Wallet insurance of 1600. The benefit of this insurance is, if i am traveling and by chance I lost the card, they would provide funds for me. Or if my card is misused they would return back my money.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 19, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with State Bank of India.The limit is 62,000 sufficient to transact.Its an annual fees credit card however there is a spend based criteria is applicable for this card.My concern is i don't have a lounge access facility in this card as its not mentioned in the kit.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a Simply Save Advantage credit card with SBI. I have got 2,000 points on spending of Rs. 2,000 in first 60 days. If I use Rs. 90000 per year then I will get a waiver of annual fees which is Rs. 499. I mostly use it for cash transactions and minimum Rs. 3000 for petrol which has 1% waiver and rarely for movie tickets and restaurants. They gave Rs. 50000 as the credit limit. I make full payment before due date.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 02, 2017
    • SBI Cards Credit Card
      "Need to improve service"
      0.5 1.0/5 "Really Bad"
      I applied for a second credit card with State bank of India. I'm already having State bank of India's Gold credit card. Now I applied for the SBI Simply Save Advantage credit card but still I didn't receive the credit card. There is no annual fees for this credit card.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 27, 2017
    • SBI Cards Credit Card
      "Good offers"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank Of India. I found the initial offers on their simply save card to be good and opted for that. I had no issues during the process of getting my card with them and it was on time. The service i received was good. I have a limit of 41K and i am comfortable with it.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 24, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      Using Simply save card for about past 2 years. It has very good benefits like reward points , cash back offers and fuel surcharge waiver in this card. The best part about this card is the cash back offer which is very useful. Overall, I am happy with the credit limit. The rate of interest is nominal with this card.
      Was this review helpful? 0
      , mysore
      Reviewed on May 23, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have a credit card called Simply Save with SBI. The credit limit is one lakh and eighty thousand rupees. The annual fee is five hundred plus tax. Sometimes I used to get cash back offers and the reward points can be redeemed easily for shopping purpose.
      Was this review helpful? 0
      , nasik
      Reviewed on Apr 03, 2017
    • SBI Cards Credit Card
      "Awesome "
      0.5 5.0/5 "Blown Away!"
      Great. Loved it. Keep doing it. All the best . Awesome. I never expected this. Such an amazing service. Feeling much better. Doesn't need to visit any bank . Apply here and get anything related to bank in giffy. I should have known this before.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 21, 2017
    • SBI Cards Credit Card
      0.5 0.5/5 "Unacceptable"
      After you apply for credit card a call comes to you for card protection plan. Either you say yes on no. They will detect amount about 1999 from your credit card without consent and when you call customer care they will say " sorry but your transaction is already made for this year and cant be refunded" And all this thing can happen within eight hours you pin generation. So be aware, no one from bank or anywhere will tell you about this plan. You can also check at consumer complains about this fraus.
      Was this review helpful? 22
      , bhopal
      Reviewed on Jul 07, 2016
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