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    SBI SimplySAVE Advantage Credit Card is Rated as "Pretty good" by 9 Users
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    SBI SimplySAVE Advantage Credit Card

    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.

    Highlights:

    • 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 sbicard.com 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 sbicard.com 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

    Eligibility:

    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 BankBazaar.com to find out if you are eligible for an IRCTC SBI card, or visit HYPERLINK "http://www.sbicard.com/eapply"www.sbicard.com/eapply and click on 'Help me find a card'.

    Documentation:

    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 sbicard.com 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 www.irctc.co.in 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.

    SBI SimplySAVE Advantage Credit Card Reviews

    • SBI Cards Credit Card
      "Good and Charges are high"
      0.5 5.0/5 "Blown Away!"
      I hold a simply save credit card with State Bank of India. The process is nice as the bank contacted me on time. I also received the card on time. There are charges of 499. The credit limit is okay. Overall there are no hassles in the process and service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      SBI send me a simply save credit card and the process it went well. I got the card on time. The limit is not up to the mark and it should be more, at least by seeding my existing card limit. There is a EMI facility and balance transfer. I have used the balance transfer option and I was charged a one time fee. The card has annual charges of 499.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 8 months, i find this credit card is very convenient to use. They did not charge any annual fee at the time of getting this credit card. I ger offers like reward points in this credit card. I use net banking for making payments. I have a credit limit of Rs 60000 which is sufficient for this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with State Bank of India for the credit card. It is simply save card. There are charges for this card and the credit limit is okay. There are offers as well and the process was on time. The overall process was smooth and I did no have any hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Charges can be reduced"
      0.5 4.0/5 "Great!"
      The process for the simply save credit card was good. SBI has contacted me on time and I got the card on time as well. The credit limit is very good. It is a chargeable card, and there is a fee of Rs.499 per year. But the bank is supposed to take fee only after the first year is completed and if I do not cross a limit of 90K in a year. The bank has taken it in the first month itself. When I contacted the customer are I was told that if I spend 2K in 60 days I will get 2000 points.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Overall good"
      0.5 4.5/5 "Excellent!"
      I hold a simply save credit card with State Bank of India. The process is good and I got the credit card on time, with a slight delay of three days. The credit limit is good. There are rewards on the card, for every 100 spent I get one point. There are no cash back deals. There is a annual fee of 499 plus tax. If I use the card for 90K in a year the charges are waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Good. Can do better in limit"
      0.5 3.0/5 "Satisfactory"
      It was a easy process and on time as well with State Bank of India. I got the simply click credit card in ten days. The credit limit is low. I expected 50K, and I got only 21K. There are no offers and I am yet to use the card properly. There are annual charges of 500.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Better"
      0.5 5.0/5 "Blown Away!"
      I am having the two State Bank of India credit card and the name of the card is simply save one. I have not experienced much with the advantage and the credit limit value is around twenty five thousand Rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I am having the State Bank of India credit card and the credit limit value is good like around 40000 Rupees. Customer service is fine one for me with the State Bank of India credit card and the response is good too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      Earlier when I used the platinum credit card of State Bank of India. The process was good and the customer services was also okay. Though the credit limit is average. I had no problems in using the card. The transactions are smooth and no hassles.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      I had applied for the IRCTC credit card with State Bank of India. After I received this card, SBI blocked my other platinum card which I am using with the bank already. I have tried contacting the customer care four to five times and they have raised a complaint as well. But without giving me a solution they have closed that complaint. The statement shows charges for both the cards, though the platinum card is blocked. I expected to get two different cards and two credit limits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Good, limit can be enhanced"
      0.5 4.0/5 "Great!"
      The process is good and on time with State Bank of India. The credit limit is very low. It is of 21K. There are charges taken for the IRCTC credit card. While making my payments I get the reward points and those points can be used for purchase of train or fight tickets.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      The experience is good overall at State Bank of India. They sent me the card in a week and it is a fast process. The credit limit is good and there are charges for 3k. I hold a prime credit card. There are offers as well. It would be better if the charges are less.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with SBI. The credit card process was very good and the credit limit was 44,000 which is satisfactory . The customer service and responses was really amazing. I hold YATRA International card and the benefits are reward points here.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • SBI Cards Credit Card
      "Satisfied with the process"
      0.5 5.0/5 "Blown Away!"
      It is a simply save credit card with SBI. The process to receive the card was smooth. The credit limit is also good for me. There are annual charges for the card. I have no difficulty till now while using the card. If I used the card for 90K in a year the annual charges are waived off. I do not see anything special in the card but the credit limit is good. It was a paperless process and only my bio metric was taken.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have good limit on my SBI card,the card has an annual fees to use this card.I have an EMI options are good.I generally pay my card bills through online.They have given FBB style up card,customer service is good.I am happy banking with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 23, 2018
    • SBI Cards Credit Card
      "Services are good"
      0.5 4.0/5 "Great!"
      I hold a simply click credit card with State Bank of India I got the card in five days and it is a fast process. The credit limit is not okay. It is very less and not to my salary and credit score. It is only of 12K. There are annual charges of Rs.500 plus GST. I will get the Amazon voucher after bill the payment.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 23, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am using SBI credit card from last 2 years, the credit card services are very good when compared to all other credit cards. I paid an annual fee of Rs 499 for this credit card. I have FBB style up card so i get 5-10% cash back on big bazaar. I have a credit limit of Rs 70000 which is sufficient for this credit card.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 23, 2018
    • SBI Cards Credit Card
      "Transparency is not seen in the process"
      0.5 3.0/5 "Satisfactory"
      I got the SBI advantage platinum credit card for the past 2 years, the customer support service is not up to the mark with the state bank of India. they are not customer oriented. The billing doesn't have transparency and I have asked for the IP reports to check the billing service , but they told they can't provide the details, finally they asked me to pay the bill.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 23, 2018
    • SBI Cards Credit Card
      "Can do better "
      0.5 4.0/5 "Great!"
      The follow up was good with the state bank of India in regards to my credit card application but they took higher than normal time to disbursed my SBI SIMPLY SAVE CREDIT CARD. The customer support service need to be quick and fast with the SBI..
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 23, 2018
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