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

    • SBI Cards Credit Card
      "Need more offers and features"
      0.5 3.0/5 "Satisfactory"
      SBI is average on the credit card services. The bank could work on their service and the overall offers and also on the credit limit. When compared to the other banks they could not be recommendable. They could be more proactive and friendly.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 23, 2017
    • SBI Cards Credit Card
      "AVERAGE SERVICE"
      0.5 3.0/5 "Satisfactory"
      It was an very good experience from SBI , I never had issue with their service till now so till now I never talked with their customer service . I never got any offers from them ,still, overall it was a average service from SBI .
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 23, 2017
    • SBI Cards Credit Card
      "Satisfied "
      0.5 5.0/5 "Blown Away!"
      The offers are good on the credit card of State Bank of India. There are no charges and my card is accepted online and offline and there are no technical issues faced. The online transactions are clear and the payments can also be done online with ease.
      Was this review helpful? 0
      , varanasi
      Reviewed on Sep 23, 2017
    • SBI Cards Credit Card
      "Good credit card"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is very useful, the reason being I am getting very good loan options also i am getting very good rate of interest . I can convert the purchase in to EMI i am not sure about the charges they had taken some processing fee too. Through MOBILE app i can place the request for EMI.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • SBI Cards Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      State Bank of India is also perfect in the credit cards services. The offers are good and there are a lot of cash back deals. The rewards are also useful as the points can be redeemed. The portal is very convenient to make my payment. The limit is to my satisfaction.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 22, 2017
    • SBI Cards Credit Card
      "So far so good"
      0.5 4.0/5 "Great!"
      State Bank of India has offered me a credit card and I have not used it much. To what ever I have used the card there has not been any hassles. The charges are normal and the credit limit is also good. The statements are also clear and I am comfortable with the billing cycle.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Sep 22, 2017
    • SBI Cards Credit Card
      "Very Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have started using the SBI prime credit card very recently. I use this card for shopping, bill payments, dinning, air ticket booking and for other usages. The reward points cash back offers and other offers are available with this card.I am satisfied with the credit limit. I pay the annual fee of Rs.3000.
      Was this review helpful? 0
      , panaji
      Reviewed on Sep 21, 2017
    • SBI Cards Credit Card
      "Though limit is low its manageble"
      0.5 4.0/5 "Great!"
      SBI credit card is a very good one, the limit is low but its fine. Anyways I am not looking out for a higher limit. I am holding this SBI CARD for about one year. Name of the SBI CREDIT CARD is FBB style up card . I used to get some special discounts at big bazaar nor any other bazaar.
      Was this review helpful? 0
      , siliguri
      Reviewed on Sep 21, 2017
    • SBI Cards Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      SBI gave me amazon voucher worth Rs.500 as complimentary offers and for every purchase around 120 rupees they give me 10 reward points. I am using this credit card around 3 to 4 months its good. But still I didn't redeem the points, however I am satisfied with their offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • SBI Cards Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India and though it is a public sector bank. They provide good services and the response is always on time. There are proper deals and the reward points are good. They could be redeemable on shopping and other needs.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 21, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from the last 1.5 years of time. Service aspects are good one and the credit limit value is up 30000 Rupees, also their response is good one with them and I have faced some difficulties but it used to get resolved on immediately.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 21, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I got a Air India SBI platinum credit card for past 5years. The customer service is good with State Bank of India credit card department. The rate of interest is nominal with the SBI Air India card. I am happy with the credit limit. I pay the annual fee of Rs.1500
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      , imphal
      Reviewed on Sep 20, 2017
    • SBI Cards Credit Card
      "Satisfactory "
      0.5 4.0/5 "Great!"
      I hold a credit card with SBI. I am satisfied with the services and the statements are on time for me. The online banking is good and there are no charges taken for the card. The limit is also good and the bank is clear in the process and there are no hidden charges.
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      , bangalore
      Reviewed on Sep 20, 2017
    • SBI Cards Credit Card
      "My SBI CARD"
      0.5 3.0/5 "Satisfactory"
      I was initially confirmed by SBI that there would be cash back however later availing the card I realized that there is no such offer. What ever cash back I earned till date can be adjusted online stores. I am holding this SBI credit card for about 6 months and it is much better than HDFC.
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      , bangalore
      Reviewed on Sep 20, 2017
    • SBI Cards Credit Card
      "Average "
      0.5 3.0/5 "Satisfactory"
      It is a average experience with SBI as well. I hold a credit card the bank is slow in the response and services. They are not up to the mark on the offers and the credit limit. They need to work on their banking overall. They could provide better deals.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 20, 2017
    • SBI Cards Credit Card
      "Worst"
      0.5 4.0/5 "Great!"
      I am here to express my dissatisfaction which I had on my SBI credit card when I approached the bank for making the payment. The response provided by them was not good. I had an option to make the cash payment at the counter for which I had to stand in the que for a long time and make the payment. Even for making the cheque payment I had to stand in the line which I hate the most.
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      , secunderabad
      Reviewed on Sep 20, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      For more than a year I hold the FBB SBI style up credit card. I am happy with the credit limit. I got the credit limit of Rs.60,000. The benefits like rewards points cash back offers and other benefits are available with this card. I pay the annual fee of Rs.500.
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      , jaipur
      Reviewed on Sep 20, 2017
    • SBI Cards Credit Card
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is simply superb. I hold an account with SBI for many years. Name of the SBI credit card is IRCTC I do get good offers and benefits from this card. I do earn good reward points on this card. I normally accumulate good rewards points and this can be adjusted against gift voucher and no charges for the same.
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      , hyderabad
      Reviewed on Sep 20, 2017
    • SBI Cards Credit Card
      "Its Convenient"
      0.5 5.0/5 "Blown Away!"
      I have platinum master card from SBI, they are providing good reward points and cash back in many e commerce website. I am happy with their credit limit its really sufficient. I am holding SBI credit card for past six months I didn't get any complimentary offers.
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      , hyderabad
      Reviewed on Sep 20, 2017
    • SBI Cards Credit Card
      "Unhappy with the services "
      0.5 2.0/5 "Expected more"
      State Bank of India has not been up to the mark even on the credit card services. There is no proper response when I contact them and there are no offers at all on my card. The credit limit is also not satisfactory and I would not want to recommend them to others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
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    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.

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