Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • South Indian Bank Simply Save SBI Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    South Indian Bank Simply Save SBI Card

    South Indian Bank and SBI have come together to offer an international credit card called South Indian Bank Simply Save SBI Card. This card has very attractive features and it offers multiple benefits to the cardholders.

    Key Points:

    • 2.5% value back on grocery and departmental store spends.
    • 1 Reward Point per Rs.100 spent.
    • 0% fuel surcharge.
    • Welcome gift of 2000 points.
    • Cashback worth Rs.100 on first ATM withdrawal.

    Benefits:

    • When you spend Rs.2,000 using your South Indian Bank Simply Save SBI Card within 60 days of availing it, you will earn 2,000 bonus reward points as part of the bank’s welcome offer.
    • Earn a cashback of Rs.100 on your first ATM withdrawal. This withdrawal has to be made within the first 30 days.
    • Earn up to 2.5% value back when you use this card to spend money on groceries and at departmental stores.
    • Avail 1 Reward Point for every Rs.100 that you spend using this card.
    • Spend between Rs.500 and Rs.3,000 on fuel at any petrol pump in India and receive a fuel surcharge waiver of 2.5%.

    Features:

    • South Indian Bank Simply Save SBI Card is accepted in more than 24 million merchant outlets in the world.
    • Cardholders of this card can apply for free add-on cards for their family members. The age of an add-on card holder should be above 18 years.
    • Cardholders can withdraw cash in any part of the world from any MasterCard or Visa ATMs.
    • Using your South Indian Bank Simply Save SBI Card, you can easily book railway tickets on the IRCTC website.
    • If you possess this card, you can pay your utility bills online using the Easy Bill Pay Facility.
    • Using this card, you can save money when you pay your credit card dues. The Balance Transfer on EMI facility allows you to transfer the pending balance of your credit card from another bank to your South Indian Bank Simply Save SBI Card account and avail lower interest rates. You will also be able to return the money in instalments.
    • South Indian Bank Simply Save SBI Card holders can convert their transaction of at least Rs.2,500 into monthly instalments using the Flexipay feature.
    • The card offers Easy Money feature, which allows cardholders to avail a cheque/draft against their cash limit. This cheque/draft will be delivered by the bank to their doorsteps.

    Fees and Charges:

    Type of Fees and Charges Amount
    Annual Fee Rs.499
    Add-on Card Fee NIL
    Renewal fee Rs.499
    Interest free credit period 20 to 50 days
    Limit on Cash Advance Up to 80% of the credit limit (Maximum Rs.12,000 per day)
    Minimum amount due 5% of the total outstanding balance
    Finance charge 3.35% each month
    Cash Advance fee International ATMs – 3% of the amount transacted (Minimum – Rs.300) SBI ATM or Other ATM – 2.5% of the amount transacted (Minimum - Rs.300)
    Cheque pick up fee Rs.90
    Charge slip retrieval fee Rs.225 for each charge slip
    Payment Dishonour Fee 2% of the payment amount (Minimum – Rs.350)
    Statement retrieval fee Rs.100 for each statement (if the statement is at least 2 months old)
    Overlimit fee 2.5% of the overlimit amount (Minimum – Rs.500)
    Fee for transaction in foreign currency Conversion mark up - 3.5%
    Emergency card replacement fee (when out of India) Actual cost (Minimum - $175)
    Late payment fee If the total amount due ranges from Rs.0 to Rs.200, then no fee is charged
    If the total amount due is more than Rs.200 and up to Rs.500, then Rs.100 is charged
    If the total amount due is more than Rs.500 and up to Rs.1,000, then Rs.400 is charged
    If the total amount due is more than Rs.1,000 and up to Rs.10,000, then Rs.500 is charged
    If the total amount due is more than Rs.10,000, then Rs.750 is charged
    Card upgrade fee Rs.200
    Fee for redemption of rewards Rs.99
    Card replacement fee Rs.100
    Finance Charges on Cash Advance Up to 3.35% each month
    Surcharge on railway tickets purchased at railway counters Rs.30 plus 2.5% of the amount transacted
    Fee for cash payment Rs.100
    Maximum fuel surcharge waiver Rs.100 per statement cycle for each credit card account
    Surcharge on railway tickets purchased on the website of IRCTC 1.8% of the amount transacted plus service charge

    The rates/fees & charges may be changed at the discretion of the bank.

    FAQs:

    1. How do I get more details about South Indian Bank Simply Save SBI Card?

      You can get more details about South Indian Bank Simply Save SBI Card from the bank or the website of SBI Card.

    2. How can I redeem my Reward Points?

      You can redeem your Reward Points online on the SBI Card website. You have to login on the SBI Card website using your User ID and Password and then select the products/services you want to redeem your points for.

    3. How do I find the nearest SBI Drop Box?

      To find the nearest SBI Drop Box, you have to send an SMS from your phone to the bank. You have to type ‘PINyour 6 digit Pin Code’ in the SMS. On receiving the SMS, the bank will send you a list of the drop boxes that are present in your area.

    4. How to convert a transaction into Flexipay instalment plan?

      To convert a transaction into Flexipay instalment plan, you have to ensure that its value is at least Rs.2,500. You have to then request the bank to convert it into the Flexipay plan within 30 days of the purchase. You can do so by contacting on the helpline number.

    5. Can I track the card application status online?

      Yes, you can track the card application status online on the website of SBI Card.

    Credit Card Reviews

    • SBI Cards Credit Card
      "Annual fees is very higher and No offers "
      0.5 1.0/5 "Really Bad"
      SBI credit cards always offers a very high Interest rate . For the past 1 years , I am not getting any offers and discount in the on-line . I am somewhat okay with the credit limit . Annual fees is around 700 /- . Since , I am not getting any offers , i thought of canceling this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good shopping card "
      0.5 3.0/5 "Satisfactory"
      i am using Sbi credit card more than 8 months. The annual charges for this card is Rs. 499 if i spend some amount annual charges will get waived off.This card comes under a life time free credit card. Credit limit they given only Rs. 35000 i am not happy with the credit limit. Customer services and responsiveness is okay.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      As per my experience SBI is good, because they are considering the existing customer and they increasing the limit and also the bank feedback is very nice. I have Simply save credit card its a life time free card, but I suggest offer part should be taken care.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with State bank of India for the credit card. The customer services are good and they are responsive. They are good in the offers and the credit limit too. The statements are clear and sent on time. In all there are no hassles to use the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits should be increase for the existing customer"
      0.5 2.0/5 "Expected more"
      SBI card is there with me but no much reward points, almost I have been using this card around five years. They didn't enhance the offers or other benefits though I am an existing customer, this a life time free card. Still need improvement on the offers part.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Services need improvement "
      0.5 3.0/5 "Satisfactory"
      I am not too happy with the credit card of State Bank of India. It is not secure and there was a transaction of 8K that was made without my knowledge. I have informed the customer care and they are still working on it. They 90 days timeline is also over.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Card should be more secure"
      0.5 2.5/5 "Just OK"
      The credit limit is okay but not excellent. I bank with State Bank of India for it. The offers are also minimal. But the major drawback is the credit card is not secure and there was a fraudulent issue which had happened. The customer care was quick enough to sort out the issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      I am holding the SBI CARDS with the the service with this card is very good but the card has the charges applicable for yearly once which is 500 rupees. The credit limit with this card is good also it is user friendly to access with this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been more than five years since i am using this Credit card and the services which they had been providing so far had been good. I am happy with the credit limit with the card and there has been some better offers with the card as well. It does not have any annual charges and i have been using this card for most of my purchases.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      My experience at State Bank of India is good and there are no hassles in the process. The customer support and response is good. I bank with them for the credit card. The credit limit is satisfactory and there are annual charges for the card, it gets waived off if the card is used to a certain limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      The services of STATE BANK OF INDIA credit card was good .There is no joining fee at the time of getting the card . I do most of the transaction with this Card and never had any issues. As i take care of my payments on time this card helps me serve better. I am holding this card for past 5 month .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with limit rs -650Lack in this card . This is life time free card and cash back offer in this card everything is good of State bank of India bank and last ten years above I am using this card approximately and their customer service is provided is good and response properly
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Avearge "
      0.5 3.5/5 "Pretty good"
      i am holding SBI credit card from past 8months. My credit limit is not satisfactory, i am not aware about the annul fee . Mostly i use this card for traveling, booking flight tickets. Even the on-line facility is so smooth i never face any network issue . The customer respond is too good.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card with the SBI CARD they have given the credit card limit which is satisfactory with this card also it is user friendly to access. They provide with good offers like cash backs, online purchase offers, rewards points with this card. The customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The experience with SBI credit card was good . It has also got a very good limit. I have faced some issues with their services. The credit limit which they gave me is very satisfactory i never had any problem with their customer service .I close this card .The services are not so good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "They need improve their services"
      0.5 1.0/5 "Really Bad"
      I am not happy with the services of STATE BANK OF INDIA credit card . I have not good experience with them . On one occasion i spoke to customer executive they said me there is no annul fee but later they charge me for that which is very disappointing part . Because of that it is effecting to my credit score .
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "More than excellent"
      0.5 5.0/5 "Blown Away!"
      I use SBI Tata credit card for last 6 months. It is excellent card, main thing they have an option for balance transfer and the charges are minimal. The customer service is also up to the mark. They don't charge annual fee. I use this card for multi purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent and limit has to be enhanced"
      0.5 5.0/5 "Blown Away!"
      I am using SBI TATA Credit card for past 5 years but they have not enhanced the credit limit. It is a life time free credit card. I am using the card for multi purpose. The reward points can be redeemed to purchase any Tata products on the malls also.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      This is life time free card and cash back offer in this card everything is good of State bank of India bank and last ten years I am using this card approximately and their customer service is provided is good and response properly . I am satisfied with limit in this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Last one and half year I am holding state bank of India credit card . This is life time free card and cash back offer in this card everything is good of state bank of India and I am satisfied with this card and customer service provided is good and their response is properly .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
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