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  • South Indian Bank Simply Save SBI Card

    Fees & Charges

    Promised Interest Rate

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    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

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      "Interest rate should be reduced"
      0.5 5.0/5 "Blown Away!"
      SBI interest rate is high for the credit card transaction, however they are providing some offers, like reward points, cash back, emi option. I have simply save card, it has some annual fee around Rs. 500 . Bill generation cycle is good only the concern about the interest rate they should reduced on it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      State Bank of India provides good facilities on the simply click credit card. The offers are good and the credit limit is also satisfactory. The customer services are also supportive as I can connect with them on time. The EMI facility is the best.
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      , bangalore
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Good offers"
      0.5 4.0/5 "Great!"
      I have been banking with state bank of India for past 4 years .I have taken a credit card with a limit of 1.50 lakhs ,expected more than that however i have sent a request four months ago still did not receive any revert for the request raised. I pay an annual fees to hold this card.I get 7,000 voucher if i show a spend of 5 lkahs within the year.
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      , chennai
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Its Better"
      0.5 5.0/5 "Blown Away!"
      I have SBI simply save card, I am getting some reward points during some purchase. SBI credit limit is low, I would like to suggest, they should increase the limit. SBI told there is some annual fee, but if I cross certain limit its will get waived off.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with State Bank Of India and i would say that i am not very comfortable with the limit and there could be a better limit provided. I will also say that their services needs improvement. They also do not have a life time free card.
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      , hyderabad
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is helpful for me and the credit limit also good , I got the credit limit of 50k. I am yet to get the offers of cash back and rewards. The customer services are good and they are responsive and helpful too. There are no charges on the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Need to improve customer service"
      0.5 2.0/5 "Expected more"
      I have been banking with state bank of India for past few years.I have taken a credit card with a limit of 20,000 later they have increased the limit to 69,000 still not happy with limit because expected to have 1 lakhs as a limit on the card because i pay an annual fees of 3000. hence i am planning to close the card in near future.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      Simply Click credit card is great to use. I got proper offers and the credit limit is low as per my salary criteria. Else when ever I use the card the transactions are smooth and I get intimated about the payments immediately. There is a annual fee of 499.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I have taken a credit card with state bank of India.The limit on the card is 47,000 expected more than that as i get an income of Rs 50,000 monthly.Its an annual fees card of Rs 500,customer service is good and net banking is convenient to operate.
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      , bangalore
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The credit card services was good with State bank of India . I got the credit card within 15 to 20days from state bank of India,. The credit limit is Rs,50,000 in which I am satisfied with it. The rate of interest and the charges are nominal with this card.
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      , hyderabad
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      It was a good experience at State Bank of India and the process was good. I got the credit card in 15 working days. I hold a Style up credit card. The best I prefer is the 10% cash back when I use the card at Big Bazaar. There is a annual fee of 499. I have not received the voucher yet as promised by the bank.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Okay"
      0.5 3.0/5 "Satisfactory"
      I am having the SBI credit card and am using it from the last four to five years of time. Customer service is an excellent one for me and I have not faced any issues with them from some short time. I am happy with the SBI credit card.
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      , new delhi
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Better service need to improved with the credit limit"
      0.5 5.0/5 "Blown Away!"
      SBI has disbursed my credit card within 35 to 40 days of time. The customer support was good with Sbi. I am satisfied with the credit limit,but still they can increase the credit limit. I pay the annual fee of Rs,499 to this card. I am satisfied with the credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It was a good experience and it was a okay process with State Bank of India. I got the credit card within four or five days. The credit limit is also satisfactory and I have a simply save card. I got 2000 joining bonus points. There is a annual fee of Rs.499.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      SBI credit card have cash back and reward points for all transaction, they are providing 10% of cash back amazon purchasing. I am using SBI simply click credit card, the limit is nominal but its not so great. Service of SBI is good and excellent.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with SBI. Documentation process is easy. They offered a simply save credit limit. The credit limit was 47k, it would be great if they increase. The reward points and cash back offers are good. The customer support is best and helpful. It is a life time free credit card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Overall experience is good"
      0.5 4.0/5 "Great!"
      It is a mixed sort of experience with State Bank of India. Sometimes I am happy with the credit card features and sometimes I am not. The points I earn is not that much a worth as per my perception never the less I do not bother much of the points. The limit is low to what I expected. I have spoken to the customer care a couple of times and it was a good experience. The annual fee is of 499 which gets waived off in the second year if I use the card for 90K in the first year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      SBI is providing lots of offers, for shopping, dining, movies, grocery product its really good. Even I got the complimentary offer of Amazon voucher its good. I am fine with the credit limit and customer service of SBI is very satisfactory.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I uses my STATE BANK OF INDIA credit card for my shopping and fuel purpose and the credit limit they offered me was good but I never contacted their customer service much it was totally a good experience with STATE BANK OF INDIA for my credit card service.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 17, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 3.5/5 "Pretty good"
      I am holding SBI credit card, I am using this credit card from the last three years of time. I would like to say that the customer service is good one and the credit limit value is around 50000 Rupees, also am really happy with the service offered on my SBI credit card.
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      , chennai
      Reviewed on Nov 17, 2017
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