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
      "Satisfied"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and I am satisfied with the deals I get on my card. There are no charges and the offers that I get online is really good. There are cash back offers and the rewards are also satisfactory. The credit limit is also up to the mark.
      Was this review helpful? 0
      , guntur
      Reviewed on Jul 25, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I am having SBI credit card from the last six to seven months of time. Response is fine one for me till now. Customer service aspects are also good one with them till now . Credit limit value is not really a good one with them. Payment modes are flexible one with the SBI credit card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 24, 2017
    • SBI Cards Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent on the credit card offers. They have offered me a life time free card and the credit limit is about a lakh and more. The best I prefer about the card is the balance transfer option, it is convenient and useful to me. I get a lot of deals online for this bank.
      Was this review helpful? 0
      , indore
      Reviewed on Jul 23, 2017
    • SBI Cards Credit Card
      "High on charges after GST"
      0.5 3.0/5 "Satisfactory"
      SBI has been charging me a lot after GST and I am no more interested to use the credit card any more. The offers are there on the card and the bank has offered me a credit limit which I am satisfied about too. The charge is the main thing that matters.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 23, 2017
    • SBI Cards Credit Card
      "Very good services & offers"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a gold credit card. The speciality about the card is there are no annual charges and the next is the rewards. The points I earn on the transactions can be redeemed online for shopping. The customer services are good and I am very much comfortable with the billing too.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 23, 2017
    • SBI Cards Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I availed credit card from State bank of India. The bank offered chargeable card along with the good credit limit. Even I am getting reward points and cash back offers on my card. There was no issues with the bank for the card which I hold. Overall service is good.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • SBI Cards Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      I hold chargeable credit card with State bank of India. The annual fee is around 499 I believe. I am happy with the credit limit offered by the bank. Also they are giving reward points and cash back offers on my card. So it is very much comfortable to use.
      Was this review helpful? 1
      , bhopal
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      SBI credit card has all kind of benefits, good to get an card which is helpful and highly beneficial. SBI credit card is high in reward points, the credit limit they have offered is very best 1.5 lakhs and its chargeable card of 500 and the card is really good for all kinds of needs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Convenient Credit Card"
      0.5 4.0/5 "Great!"
      I have IRCTC credit card from SBI, I didn't get any offers from them in term of reward points or cash backs. But the Credit limit offered by them is very much satisfactory. SBI IVR system is not upto the mark, I can't reach the executives immediately to resolve my queries.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      For the past one year, I am using SBI cards. The one I hold with SBI is a life time free card. The credit limit is pretty good and I do not have any issues with the bank for the credit card. I am more comfortable with the card and the services are pretty good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      State bank of India offered life time free credit card. I do have savings account with the same bank. The bank is good in customer service and response. I am more comfortable with the bank and I do not have any problem with the bank for the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "The best on credit card"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a Master Credit card and I paid a joining fee of 499. There are annual charges of 499 as well. But I get a lot of cash back offers. If I spend Rs. 1000 online for shopping, I would get back a10% as cash back. There is a cash back on groceries too. For every 100 spent, I would get 4 points and I can redeem those points to pay my bill. The credit limit is good and there are other benefits like a loan on card, balance transfer and the EMI options too.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      State bank of India offered a life time free credit card for me. I already holding savings account with the bank. The credit limit is quite good and I do not have any issues with the bank for the credit card. I am getting reward points and cash back offers on the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am holding a SBI platinum credit card for more than a year. The customer service and the response was good with SBI. This card has good benefits, but I never utilized the benefits. The rate of interest is high when compared with others. I am not happy about the credit limit, still they can increase the credit limit in future. I am happy to use this platinum card with SBI.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "King in collecting interest rate"
      0.5 1.0/5 "Really Bad"
      I was offered a credit limit of Rs.79,000 on my SBI credit card its pretty good to use, but I am not fine with their service. If I have any queries related to the credit card I have to call their customer service, even if I call them I dont get any kind of response from them either. Interest rate was also very high for all transactions and they won't give clear information about the charges too.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "They should reduce the annual charges"
      0.5 4.0/5 "Great!"
      SBI given good credit limit with flexi pay option. I could convert the purchase amount into an EMI and also with balance transfer option. Other than that SBI giving good reward points for all transaction, One draw back on my SBI credit card, they are charging around 35% per annum as the interest rate on the outstanding principle amount.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am having platinum card with Sbi for past 2 years. This card is used to purchases, grocery and fuel purposes. I am happy with the credit limit with this platinum card. The customer service and the response is good. The rate of interest with this card is average. I am satisfied to use this platinum card of SBI.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The credit card at SBI bank has a good network as I can use the card everywhere. I have not had any issues till date. The offers are excellent on the card and I am also happy with the credit card limit. I have just opted this card ans since Iam a TATA employee they have offered me this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I was given a simple save card by State Bank of India. They provide good offers and they are awesome in terms of customer service. The response is really good from the bank whenever I reach them the credit limit they have offered is 50000 rupees and annual charge of this card is 500/-
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 09, 2017
    • SBI Cards Credit Card
      "Very Good service"
      0.5 4.0/5 "Great!"
      I am satisfied with the overall service with the State bank of India Credit card i am using this service for about a year now and I get normal benefits and reward points, the credit limit they have offered is 48000 rupees and its a life time free card
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 09, 2017
    Common Loader Icon

    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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