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  • South Indian Bank Simply Save SBI Card

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  • 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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    Credit Card Reviews

    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI simply save credit card where the limit of the card is good, EMI options are available but rate of interest was nominal, I am using this card from last two years, card has charges of Rs. 500 but if we purchase for 30 thousands some amount then the annual fee is waived off.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 12, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card where the limit of the card is not sufficient and low of 50 thousands. I has taken a card on 6 months before which was processed through bank directly. It is a life time free credit card. For an EMI option charges are nominal. I use this card for shopping and fuel purpose.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I am holding SBI Bank SIMPLY SAVE credit card where the card limit is very less on this card, using this credit card from past two years, this card doesn't has much cash back or instant discount offers, there not much rewards points offer on this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      Response time is very slow in customer care service of SBI card. I have a elite card with me and i get a 2bookmyshow voucher free in a month and I'm getting a priority pass in a airport launch and i get a Vistara club membership. I have got a limit of Rs. 6 lakhs and i need to pay the annual fee of Rs. 5600.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Somehow suitable card"
      0.5 4.0/5 "Great!"
      SBI customer care service is very poor and they don't bothering about the customer. SBI service is not customer friendly. 3 times i was annoyed on their services. I am holding a simplyclick credit card and there is no much discounts, cashback on this card. They have provided me a limit of Rs. 50000.
      Was this review helpful? 1
      , kolkata
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding SBI credit card where the limit of the card is good, EMI options are available but rate of interest is very less, cash back offers are also very less, using this card from last two years, card has charges of Rs. 499+GST but if we purchase some amount then the annual fee is waived off.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card which has good offers, credit limit is good, EMI options are available, rate of interest is very high, using this card from 9 months,if we do online purchase we have good offers, also on jewellery purchase there is 5% discount and the customer service is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Super Card"
      0.5 5.0/5 "Blown Away!"
      SBI is a good card to use and the features are like auto renewal process of the fee waiver if i exceeds such amount told by them which is a best thing I'm getting from the card. The card has a annual fee of Rs. 1000 which i don't need to pay if i use more than Rs. 1 lakhs. If i have any rewards points, which i can redeem as a Rs. If i have 100 rewards points which is equal to Rs. 100 which converted into cash.
      Was this review helpful? 0
      , kanpur
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Best for all transactions"
      0.5 5.0/5 "Blown Away!"
      I do have SBI card their rate of interest is very less interms of minimum amount due, if I spend Rs.10,000 the minimum amount comes only Rs. 300 to 400, they won't add any unnecessary charges they are transparent. I never interacted with them but still the service is appropriate.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 12, 2019
    • SBI Cards Credit Card
      "Neeed to decrease interest charge "
      0.5 4.0/5 "Great!"
      I have been using SBI bank FBB credit card which was got an offer from other channel. It was an annual fee chargeable of 500 rupees but there is an option for a waiver off for a certain amount usage. Mostly I use for Big Bazaar which I get discount up to 5%. For an EMI option charges are bit high.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding SBI credit card from past 10 years there is no issues with the bank,24/7 customer service is available, card has good credit limit, annual fee is zero, there are no rewards point offer if we book the ticket on IRCTC website for train bookings.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI credit card from past 1.6 years, where their are good cashback offers, reward points offers are also good, card limit of the card is very good,Their is annual fee charge of Rs. 499+GST applicable and that to refundable if I purchase more.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was taken through bank directly.I am using this credit card for almost 2 years .This is a free card and i have got the credit card on time without any drawbacks .The credit limit was really good and satisfied according to me .There are good reward points as well as cash back offers .
      Was this review helpful? 0
      , indore
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I hold SBI Simply Save credit card from March 2019 and it was good. I need to pay an annual fee of Rs.500. The credit limit was fine and proper. Also their application is quite convenient. Actually the payment gateway is instant when compared with other banks which helps to far away from late payment charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using SBI bank simply save credit card for more than 2 months. It is an annual fee chargeable of 499 rupees but there is an option for a waiver off. The credit limit is sufficient for this card. EMI option charges are nominal.I use this card for shopping purpose.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 11, 2019
    • SBI Cards Credit Card
      "Need to imrpove customer service"
      0.5 4.0/5 "Great!"
      I am using SBI bank simply click credit card for more than one year. It is an annual fee chargeable of 499 rupees but there is an option for a waiver off. The credit limit is sufficient of 1 lakh 75 thousands. EMI option charges are nominal which was enhanced. The customer service is no proper response.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Superb"
      0.5 4.0/5 "Great!"
      SBI credit card facility is good especially ELITE. The customer service is very excellent on credit card department. But the rate of interest is very higher for EMI conversion when compared with Kotak Mahindra. I am using the card for since 2.5 years. They are giving reward points, EMI conversion is applicable and this card is really superb.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "They need to improve"
      0.5 2.0/5 "Expected more"
      In SBI, their billing system is not proper. When i pay the bill amount on due date, again they asked me to pay some amount. Their language is in unmannered approach and there is no courtesy in talking with a customer. Anyhow, I'm planning to end up a relationship with SBI Gold card. My limit is Rs. 60000 and they send a bill of Rs. 82000 and they are not specific and the bill is not in a descriptive format which customer unable to understand.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Not satisfactory"
      0.5 3.0/5 "Satisfactory"
      I have done the transactions because of forcible merchants and they have overcharged of 9K. I have approached them for refund and the formalities are very long. I have been using IRCTC card and never experienced the benefits. I have blocked the card for time being and am not planning to use it any more but still they are charging me. The charges are on higher side also fraudulent transactions are happening.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 10, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      It is been 10 months back, I had purchased the visa credit card from SBI and the card is visa. The given credit limit is sufficient and it is a life time free credit card. They have dispatched the card within few days. I am using this card for many purposes based on the usage I get reward points and cash back.
      Was this review helpful? 0
      , lucknow
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