Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • South Indian Bank Simply Save SBI Card
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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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      0.5 3.0/5 "Satisfactory"
      Credit limit value is around 28000 Rupees with the State Bank of India credit card and the response is very good. Customer service is fine too. I am happy with the State Bank of India credit card. Everything is perfect one with the SBI credit card.
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      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      Customer service with the State Bank of India credit card is good one for me and the response is fine one too. I got the credit card within a month of time and am really happy with them. Responsiveness is good one with the SBI credit card.
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      , new delhi
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I had applied for a credit card with State banks of India.They have offers a good limit of 59,000 i am happy with the limit,the card has an annual fees however i have a spend criteria applicable for this card.I pay my card bills through online.
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      , chennai
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the SBI credit card and am using this credit card from the last one month of time. Customer service is okay one with them and the credit limit value could be enhanced. I am getting the credit points, which is an added advantage for the same.
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      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I have recently started to use the State Bank of India credit card ad the credit limit value is around 40000 Rupees. Process of getting the State Bank of India credit card is really long one. Customer service is better one with the SBI credit card.
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      , bangalore
      Reviewed on Jan 20, 2018
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have simply save credit card with Sbi. The service is good. The documents procedure was made very simple during the process. The credit limit provided on my SBI credit card department is good when compared with other credit service providers in the market.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State bank of India.The limit on the card is 44,000,i have no annual fees to hold this card.They have given a simply save card.The card has a best features for shopping and can earn reward points for the same.
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      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with state bank of India.The limit on the card is 83,000 .I pay an annual fees however its waived id i show a spend of huge amount,I get offers for online as well as at offline stores.Net banking is convenient to use and can quickly make payments.
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      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      Customer service is good one with the State Bank of India credit card and the credit limit value is lesser one with them. I have got the credit card within ten days of time. Everything is better one with the SBI credit card and am really happy with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "looking for better credit limit"
      0.5 3.0/5 "Satisfactory"
      My credit card application was approved with SBI and the experience was average. The process was quite long and it took 1 month to receive the credit card. Initially they told, they will give a credit limit of Rs 2 lakhs but they gave only Rs 70000 and i am not happy with the credit limit in this credit card. Documents were collected door step and the customer service was good. I have not started using this credit card so i am not aware of any offers.
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      , chennai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
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      , kolkata
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    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I had applied my credit card with State Bank of India through online channel. They collected too many documents and provided a lower credit limit. I hold a SBI prime card and they charge annual fee around 2,999 rupees. I paid the first bill through net banking.
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      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have my credit card approved with SBI cards and the experience was good. The process was smooth and i received my credit card within 15 days. I have a credit limit of Rs 92000 which is sufficient for this credit card. An annual fee of Rs 499 has to be paid every year for this credit card. Customer service was good and they collected documents on time. I get lot of offers in this credit card and i use this card for multi purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I got a SBI Gold Card and using it for 7 years. I am satisfied with the credit card service. The credit limit was 1L which was happy. They are charging annual fee. I got the reward points and 5% cash back offers on the shopping purpose. The redemption option is very much available here.
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      , mumbai
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The State bank of India executives came to my place to collect the required documents on time to process my credit card application,. They have taken around 10 days of time to disbursed the SBI simply save credit card . The expected credit limit was not approved.
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      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Need Imrovement"
      0.5 3.0/5 "Satisfactory"
      Around a month ago I have applied for the SBI Simply save card, but I haven't got any kind of response from the State bank of India credit card department. The response part need to be improved with the State bank of India and they need to be focus on the customers requirement.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have my credit card approved with SBI cards and the experience was good. The only issue i found is, i received Elite credit card instead of simply save card. I got my credit card within 10 days and i have a credit limit of Rs 1.3 lakhs with the cash limit of Rs 36000 in this credit card. Customer service was good and they collected documents on time. I did not pay any annual fee for this credit card. I get offers like reward points and i use this card for general purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have chosen SBI Simply Save credit card. They offered a credit limit of 15K which was not satisfactory since my expectation was above 30K. The customer service and response was good. They disbursed the card on time. The annual charges are applicable.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with SBI from the year 2010, the credit card services are pretty good comparatively, This is an Elite card and i pay an annual fee of Rs 5000 for this credit card. I got 2000 reward points on spending Rs 2000. I use net banking for making payments and i have a credit limit of Rs 1 lakh which is sufficient for this credit card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 19, 2018
    • SBI Cards Credit Card
      "Good & Convenient Card"
      0.5 4.5/5 "Excellent!"
      I am using the State Bank of India credit card close to one year. The credit limit was normal. They charge annual fee. The customer service and response was good. It was more accessible and for purchasing home appliances. The payment option was easy to do the payments.
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      , hyderabad
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