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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 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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