SimplySAVE SBI Credit Card

SimplySAVE SBI Credit Card is a credit card specifically designed to fit in well with the needs and demands of frequent shoppers. The SimplySAVE SBI Credit Card will help the card holders earn big rewards and furthermore, save big time on the expenses incurred on shopping. Basically, it helps the card holders win big rewards on expenditure pertaining to grocery, departmental stores, movies and dining.

  • Sure Card
  • SimplySAVE SBI Credit Card
Features Sure CardSimplySAVE SBI Credit Card
EligibilityEveryone 18+Salaried and Self-employed. For salaried people, the minimum income requirement is 20,000 per month. For self-employed people, the minimum income requirement is 30,000 per month.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 588.82 (Rs. 499 + 18% GST)
Annual FeesNILRs. 588.82 (Rs. 499 + 18% GST)
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% of purchase amount. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of Rs. 500 - Rs. 3000 Maximum waiver of Rs. 100 per statement cycle per card account
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.4 reward points equals Rs. 1. 10 reward points per Rs. 100 spent on dining, movies, departmental stores and grocery spends. Spend Rs. 2000 or more in the first 60 days and get 2000 bonus reward points.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldContactless Transaction
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SimplySAVE SBI Credit Card vs. SURE Card

The SBI SimplySAVE Credit Card has been tailor made for people who love shopping and helps them save big time on the expenditure that is incurred on the same. Apart from that, bonus reward points are rewarded to expenses incurred on shopping. However, SURE provides 10 reward points for every Rs. 100 spent on any expenditure, not necessarily pertaining to a single category of purchase.

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