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Features of SBI SimplySAVE Credit Card

  • Accelerated Reward Points: 10X Reward Points for every ₹150 spent on Dining, Movies, Groceries, and Departmental Store purchases—ideal for everyday spending.
    1 Reward Point for every ₹150 spent on all other categories (e.g., travel, online shopping).
    Reward Point Value: 1 point = ₹0.25 (4 points = ₹1).
    Example: Spend ₹3,000 on groceries = 200 points (worth ₹50); same spend on travel = 20 points (worth ₹5).
  • Welcome Bonus: 2,000 Bonus Reward Points on spending ₹2,000 or more within the first 60 days of card issuance—equivalent to ₹500.
  • First ATM Withdrawal Cashback: ₹100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.
  • Annual Fee Reversal: Annual fee of ₹499 + taxes is reversed if annual spends exceed ₹1 lakh, making the card cost-effective for regular users.
  • Reward Redemption Options: Redeem earned reward points for a variety of options including gift vouchers, merchandise, or statement credit through SBI Card website or mobile app. Redemption fee of ₹99 applies.
Credit Card Promotion
    • Fuel Surcharge Waiver: 1% Waiver on transactions between ₹500 and ₹3,000 at any petrol pump in India. Maximum waiver: ₹100 per statement cycle.
      Note: No reward points are earned on fuel purchases.
    • Annual Fee Waiver: ₹499 + taxes (one-time joining and renewal fee). Waiver Condition: Spend ₹1,00,000 or more in a year to get renewal fee waived.
    • Contactless Payments: Enabled with Visa payWave technology for secure and fast contactless transactions. Just wave the card at POS terminals without handing it over or entering a PIN for low-value purchases.
    • Flexipay Facility: Convert purchases of ₹2,500 or more into EMIs by logging into sbicard.com within 30 days. Tenure options include 6, 9, 12, or 24 months.
    • Balance Transfer on EMI: Transfer outstanding balances from other bank credit cards to your SBI SimplySAVE Credit Card. Repay in EMIs at a lower interest rate by applying via sbicard.com.
    • Global Acceptance: Accepted at over 24 million outlets worldwide and 3,25,000+ in India. Use at any outlet that accepts Visa or MasterCard. Note: Not valid in Nepal and Bhutan.
    • Add-On Cards: Issue free add-on cards for immediate family members (parents, spouse, children, or siblings over 18). Share card benefits while keeping control over the primary account.
    • Easy Bill Pay Facility: Pay utility bills (electricity, telephone, mobile, etc.) conveniently and on time using the SBI card.
    • Cash Withdrawal: Withdraw cash from over 1 million Visa or MasterCard ATMs worldwide.
      Cash Advance Fee: 2.5% of the amount withdrawn (minimum ₹500).
      Note: High interest rates apply—use only in urgent situations.
    • Reward Point Redemption: Redeem points for gift vouchers, merchandise, or statement credit (1 point = ₹0.25). Redeem via SBI Rewards on sbicard.com or the SBI Card mobile app.
      Note: Reward points expire after 2 years from the date of earning.
    • Interest-Free Credit Period: 20–50 days of interest-free period on retail purchases if previous dues are fully paid.
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Benefits of SBI SimplySAVE Credit Card

  • Accelerated Reward Points: 10X Reward Points: Earn 10 reward points per ₹150 spent on:
    Dining: Restaurants, cafes, and food outlets.
    Movies: Cinema tickets and related spends.
    Grocery: Supermarkets and grocery stores.
    Departmental Stores: Retail chains like Big Bazaar, D-Mart, etc.
    1X Reward Point: Earn 1 point per ₹150 spent on all other categories (e.g., travel, online shopping, utility bills).
    Value: 4 reward points = ₹1 (i.e., each point is worth ₹0.25).
    Example: ₹3,000 on groceries earns 200 points (₹50 value), ₹3,000 on online shopping earns 20 points (₹5 value).
    Benefit: Maximize savings on everyday categories.
  • Welcome Bonus: 2,000 Bonus Reward Points: Get 2,000 points by spending ₹2,000+ within 60 days of issuance (worth ₹500).
    First ATM Withdrawal Cashback: ₹100 cashback on your first ATM withdrawal within 30 days.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000 at any petrol pump in India. Maximum waiver of ₹100 per billing cycle.
    • Annual Fee Waiver: ₹499 + taxes annual fee (charged as a one-time joining and renewal fee) Waiver on renewal if annual spends reach ₹1,00,000.
    • Reward Point Redemption: Redeem points for: - Gift Vouchers (via SBI Rewards Catalogue on website/app). - Statement balance payment (1 point = ₹0.25). - Merchandise and premium products.
    • Contactless Payment Convenience: Uses Visa payWave technology for secure, tap-and-go payments. Ideal for small purchases without PIN or swiping. Speeds up transactions while maintaining security.
    • Flexipay Facility: Convert purchases of ₹2,500 or more into EMIs within 30 days via sbicard.com. Choose from tenures of 6, 9, 12, or 24 months. Makes large purchases manageable with easy repayments.
    • Balance Transfer on EMI: Transfer outstanding balances from other credit cards to SBI SimplySAVE at lower interest rates. Repay in EMIs by applying on sbicard.com. Reduces financial burden from high-interest dues.
    • Global Acceptance: Accepted at 24+ million outlets worldwide and 3.25 lakh in India where Visa/MasterCard is accepted. Not accepted in Nepal and Bhutan. Ideal for both international and domestic usage.
    • Add-On Cards: Free add-on cards for family (parents, spouse, children, or siblings aged 18+). Share card benefits while keeping control under the primary account.
    • Easy Bill Pay Facility: Pay utility bills such as electricity, phone, or mobile using your SBI card. Streamlines bill payments and helps maintain a good credit score.
    • Interest-Free Credit Period: 20–50 days interest-free on retail purchases (subject to full payment of prior dues). Manage cash flow smartly without extra charges.
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How to Apply for SBI SimplySAVE Credit Card

  • Step 1: Visit the Application Platform
    Go to the official SBI Card website sbicard.com.
    Alternatively, apply through trusted partners like Paisabazaar, BankBazaar, Bajaj Markets, or Wishfin.
  • Step 2: Select the Card
    Navigate to the Credit Card section and choose the SBI SimplySAVE Credit Card.
    Click on “Apply Now” to start the application process.
  • Step 3: Fill in Details
    Provide personal information: Full name, date of birth, gender, contact details.
    Enter professional details: Employment type, monthly income, company name, experience.
    Enter residential address: City, state, PIN code.
  • Step 4: Upload Documents
    Identity Proof: PAN Card, Aadhaar, or Passport.
    Address Proof: Utility bill, bank statement, etc.
    Income Proof: Salary slips, ITR, or Form 16.
    Upload a recent passport-sized photo.
    Ensure files are in PDF/JPG and under 2 MB.
  • Step 5: Verify and Submit Application
    Review all filled details and uploaded documents.
    Submit the application and verify using OTP sent to your mobile/email.
  • Step 6: Track Application
    Receive an Application Reference Number via SMS or email.
    Use this to track your status on sbicard.com or partner platforms.
  • Step 7: Card Approval and Delivery
    Approval typically takes 7–14 working days.
    Card dispatched to your registered address upon approval.
    Track delivery via SMS updates.
  • Offline Application Option:
    Visit the nearest SBI Branch during working hours.
    Request the SimplySAVE Credit Card form from the executive or download it from sbicard.com.
    Fill out the form with personal, professional, and address details.
    Attach self-attested copies of identity, address, income proof, and a photograph.
    Submit to the branch executive. Originals may be verified.
    Receive an acknowledgment or reference number for tracking.
    Card will be processed and delivered within 7–14 working days.

Eligibility Criteria for SBI SimplySAVE Credit Card

  • Age:
    • Primary Cardholder: Must be 21–60 years (salaried) or up to 65 years (self-employed).
    • Add-On Cardholder: Minimum 18 years old (for immediate family members like spouse, children, parents, siblings).
  • Nationality:
    • Indian Citizens or Non-Resident Indians (NRIs).
    • NRIs must apply via specific channels (e.g., sbicard.com) and submit valid passport, visa, and overseas address proof.
  • Income:
    • Salaried: Minimum ₹30,000 monthly gross income preferred. In some cases, ₹18,000–₹25,000 may be considered.
    • Self-Employed: Stable income supported by ITRs, financials, or bank statements; preferred minimum ₹4–6 lakh annually.
  • Credit Score:
    • Preferably 750+ (CIBIL or equivalent).
    • Applicants with no credit history may be considered based on income and employment stability.
    • Low scores or recent defaults may reduce approval chances.
  • Credit History:
    • No recent defaults, late payments, or high credit utilization.
    • Existing credit card users must have 6+ months of usage with no late payments in the last 2 months.
  • Employment Status:
    • Salaried: At least 6 months to 1 year with a reputed employer (Govt/PSU/Private).
    • Self-Employed: Business/profession must be stable for 1–2 years and supported by income documents.
  • Residential Status:
    • Must have a valid residential address in India (owned or rented).
    • Applicants from serviceable metro or Tier-1/2 cities may get quicker approvals.
  • Existing SBI Relationship (Optional):
    • Not mandatory but may increase approval chances.
    • Pre-approved offers may be available to SBI account holders with good history.
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Documents Required for SBI SimplySAVE Credit Card

  • Identity Proof (Any one):
    • PAN Card (mandatory for income tax purposes)
    • Aadhaar Card
    • Voter’s ID
    • Passport
    • Driver’s License
    • Government-issued Photo ID (e.g., NREGA Job Card, Government Employee ID)

    Note: The document must be valid, clear, and include a photograph. Ensure the name matches the application form.

  • Address Proof (Any one):
    • Aadhaar Card
    • Passport
    • Voter’s ID
    • Utility Bill (not older than 3 months)
    • Ration Card
    • Rental Agreement (registered, with recent utility bill)
    • Bank Statement/Passbook (not older than 3 months)
    • Property Tax Receipt (not older than 1 year)
    • Government-issued Address Proof (e.g., Post Office ID, Domicile Certificate)

    Note: The address proof must match the application. For rented accommodation, a utility bill in the landlord’s name may be accepted with a rental agreement.

  • Income Proof:
    • Salaried:
      • Salary Slips (last 3 months)
      • Form 16 (latest)
      • Bank Statement (last 3–6 months)
      • Employment Certificate (if requested)
    • Self-Employed:
      • Income Tax Return (last 1–2 years with computation)
      • Audited Financials (Profit & Loss and Balance Sheet for 1–2 years)
      • Bank Statement (last 6 months)
      • Business Proof (GST registration, shop license, partnership deed, etc.)

    Note: Income should reflect at least ₹30,000/month (salaried) or ₹4–6 lakh/year (self-employed). Higher income can lead to better approval and higher credit limits.

  • Photograph: Recent passport-size photographs (1–2, clear and in color)
  • Additional Documents (if applicable):
    • For NRIs:
      • Valid Passport
      • Valid Visa (work/resident/dependent)
      • Overseas Address Proof
      • NRI Bank Account Details (NRE/NRO statement)
    • For Add-On Card Applicants:
      • Identity Proof of the add-on cardholder
      • Age Proof (must be above 18 years)
    • For Existing SBI Customers:
      • SBI Account Details (or passbook copy for pre-approved offers)
      • Credit Card Statement (6 months usage, no late payments in last 2 months)

Factors Affecting SBI SimplySAVE Credit Card Approval

  • Credit Score: A CIBIL score of 750+ improves approval chances. Scores below 700 or with defaults may lead to rejection. New-to-credit users may be considered if income and employment are strong.
    Tip: Check your score on CIBIL or platforms like Paisabazaar before applying.
  • Income Level: Salaried applicants typically need ₹30,000/month; ₹18K–₹25K may be accepted in non-metro areas. Self-employed individuals should show ₹4–6 lakh annual income via ITR.
    Tip: Submit recent salary slips or ITR to prove income stability.
  • Credit History: No recent late payments, defaults, or settlements. Existing cardholders should have at least 6 months of usage with no recent late payments.
    Tip: Keep utilization below 30–40% and pay off dues before applying.
  • Debt-to-Income Ratio: Should ideally be below 40–50%. High EMI or credit card dues may reduce approval chances.
    Tip: Clear existing debt to improve your ratio before applying.
  • Employment Stability: Salaried: at least 6–12 months with the current employer. Self-employed: business operational for 1–2 years.
    Tip: Provide valid employment proof or business documents.
  • Age: Salaried applicants: 21–60 years. Self-employed: up to 65 years. Add-on cardholders: 18+.
    Tip: Ensure your age matches the card’s criteria and provide valid proof.
  • Residential Stability: Verifiable residential address in India. Applicants in Tier-1/Tier-2 cities have higher approval odds.
    Tip: Submit a recent utility bill or Aadhaar as address proof.
  • Documentation Quality: Provide clear, complete, and consistent documents for ID, address, and income.
    Tip: Cross-check documents for validity and name consistency.
  • Existing Relationship with SBI: Existing customers with savings accounts or fixed deposits may receive pre-approved offers.
    Tip: Check SBI YONO or sbicard.com for offers.
  • Nationality: Indian citizens and NRIs can apply. NRIs need additional documents like passport, visa, and overseas address proof.
    Tip: NRIs should apply via SBI’s official NRI channels.
  • Application Behavior: Too many recent credit applications may reduce your score.
    Tip: Space applications 3–6 months apart.
  • Geographical Location: SBI prioritizes applicants in metro and Tier-1/Tier-2 cities. Remote areas may have limited service.
    Tip: Check service availability on sbicard.com.
  • KYC Compliance: PAN and address proof required. Non-compliance leads to rejection.
    Tip: Link PAN with Aadhaar and submit a masked Aadhaar copy if needed.
  • Card Type Eligibility: SBI may approve the SimplySAVE card only for applicants whose profiles match usage intent (e.g., daily retail and grocery spenders).
    Tip: Choose a card that fits your spending pattern to increase approval chances.
  • Verification Success: Applications may be rejected if the bank cannot verify employment, income, or address via call or field visit.
    Tip: Ensure you're reachable and cooperative during verification steps.
  • Inactive Existing SBI Cards: Having an old SBI credit card with long inactivity or non-usage may impact approval.
    Tip: Use existing cards regularly to build a healthy credit profile.
  • Digital Footprint and Online Presence: Some banks consider digital behavior like UPI usage, online banking, and app activity.
    Tip: Maintain active and positive digital financial behavior.
  • Profile Consistency: Discrepancies between your application form and documents (e.g., job title, employer name) can lead to rejection.
    Tip: Double-check all entered details before submitting your application.

Frequently Asked Questions (FAQs)

What is the SBI SimplySAVE Credit Card?
The SBI SimplySAVE Credit Card is an entry-level credit card designed for everyday offline purchases, offering 10X reward points on dining, groceries, movies, and departmental store spends. It comes with a low annual fee of ₹499 (plus taxes), a fuel surcharge waiver, and flexible EMI options, making it ideal for budget-conscious users who want to save on daily expenses.
Who is eligible to apply for the SBI SimplySAVE Credit Card?
Age: Primary cardholder must be between 21 and 60 years (salaried) or 21 and 65 years (self-employed). Add-on cardholders must be above 18 years.
Income: Minimum monthly income of ₹30,000 for salaried individuals or stable annual income of ₹4–6 lakh for self-employed.
Credit Score: A CIBIL score of 750 or above is preferred, though new-to-credit users may be considered.
Nationality: Indian citizens or Non-Resident Indians (NRIs).
Credit History: Clean credit history with no recent late payments or defaults.
Employment: Salaried applicants need 6 months to 1 year of employment; self-employed need 1–2 years of business stability.
What documents are required to apply for the SBI SimplySAVE Credit Card?
Identity Proof: PAN Card (mandatory), Aadhaar Card, Voter’s ID, Passport, or Driver’s License.
Address Proof: Aadhaar Card, Passport, Utility Bill (not older than 3 months), Ration Card, or Rental Agreement.
Income Proof:
Salaried: Last 3 months’ salary slips, Form 16, or 3–6 months’ bank statements.
Self-Employed: Latest ITR, audited financial statements, or 6 months’ bank statements.
Photograph: Recent passport-size photographs (1–2).
For NRIs: Valid Passport, Visa, and overseas address proof.
Note: Documents must be valid, clear, and consistent with application details. Digital copies are needed for online applications; self-attested photocopies for offline.
How can I apply for the SBI SimplySAVE Credit Card?
Online:
Visit sbicard.com, select the SimplySAVE Credit Card, and click “Apply Now.”
Fill in personal, professional, and financial details.
Upload required documents and verify via OTP.
Track application status using the Application Reference Number.
Alternatively, apply via partner platforms like Paisabazaar, BankBazaar, or Bajaj Markets.

Offline:
Visit an SBI branch, request the SimplySAVE Credit Card application form, and submit it with documents.
Receive an acknowledgment slip for tracking.
SBI YONO App: Apply through the app under the “Credit Cards” section.
Customer Care: Call 1860 180 1290 to initiate the process.
What are the key benefits of the SBI SimplySAVE Credit Card?
Reward Points:
10X Reward Points: 10 points per ₹150 spent on dining, movies, groceries, and departmental stores (reward rate: 1.7%).
1X Reward Point: 1 point per ₹150 on other spends (reward rate: 0.17%). (4 points = ₹1).
Welcome Bonus: 2,000 bonus reward points (worth ₹500) on spending ₹2,000 within 60 days of card issuance.
Fuel Surcharge Waiver: 1% waiver on transactions between ₹500 and ₹3,000, up to ₹100 per statement cycle.
Annual Fee Waiver: ₹499 renewal fee waived if annual spends exceed ₹1,00,000.
Flexipay: Convert purchases above ₹2,500 into EMIs within 30 days.
Balance Transfer: Transfer other credit card balances at a lower interest rate, repayable in EMIs.
Contactless Payments: Visa payWave for secure, quick transactions.
Global Acceptance: Accepted at over 24 million outlets worldwide (except Nepal and Bhutan).
Add-On Cards: Free add-on cards for family members above 18.
Easy Bill Pay: Pay utility bills (electricity, mobile, etc.) conveniently.
What is the annual fee for the SBI SimplySAVE Credit Card?
Joining Fee: ₹499 + GST (one-time).
Renewal Fee: ₹499 + GST (annually from the second year).
Waiver: Renewal fee is waived if you spend ₹1,00,000 or more in the previous year.
How can I earn and redeem reward points on the SBI SimplySAVE Credit Card?
Earning:
10 reward points per ₹150 on dining, movies, groceries, and departmental stores (up to 5,000 accelerated points monthly).
1 reward point per ₹150 on other spends.
No reward points on fuel, rent, or government transactions.

Redemption:
Gift Vouchers/Products: Redeem via the SBI Rewards Catalogue on sbicard.com or the SBI Card mobile app.
Statement Credit: Offset outstanding balance (1 point = ₹0.25) by contacting customer care.
Note: Points expire after 2 years from accrual.
Does the SBI SimplySAVE Credit Card offer a fuel surcharge waiver?
Yes, you get a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at any petrol pump in India, with a maximum waiver of ₹100 per statement cycle. No reward points are earned on fuel purchases.
Can I use the SBI SimplySAVE Credit Card internationally?
Yes, it is accepted at over 24 million outlets worldwide, including 3,25,000 outlets in India, wherever Visa or MasterCard is accepted. However, it is not accepted in Nepal and Bhutan. A 3.5% foreign currency markup fee applies to international transactions.
What is the Flexipay facility on the SBI SimplySAVE Credit Card?
Flexipay allows you to convert purchases of ₹2,500 or more into easy monthly installments (EMIs). Log in to sbicard.com within 30 days of the purchase to choose tenures of 6, 9, 12, or 24 months (36 months for amounts ≥ ₹30,000).
Can I transfer balances from other credit cards to the SBI SimplySAVE Credit Card?
Yes, you can transfer outstanding balances from other banks’ credit cards to the SBI SimplySAVE Credit Card at a lower interest rate, repayable in EMIs. Apply via sbicard.com.
Does the SBI SimplySAVE Credit Card support UPI payments?
The standard SBI SimplySAVE Credit Card (Visa/MasterCard) cannot be linked to UPI. However, the SBI SimplySAVE UPI RuPay Credit Card variant can be linked to UPI apps like Google Pay, PhonePe, or Paytm for seamless transactions.

List of SBI SimplySAVE Credit Card AP Branches

  • Proddatur (Proddatur Branch)
  • Rajahmundry (Rajahmundry Main Branch)
  • Srikakulam (Srikakulam Branch)
  • Tadepalligudem (Tadepalligudem Branch)
  • Tadipatri (Tadipatri Branch)
  • Tenali (Tenali Branch)
  • Tirupati (Tirupati Main Branch)
  • Vijayawada (Vijayawada Main Branch)
  • Visakhapatnam (Visakhapatnam Main Branch)
  • Vizianagaram (Vizianagaram Branch)
  • Hindupur (Hindupur Branch)
  • Rayachoti (Rayachoti Branch)
  • Dharmavaram (Dharmavaram Branch)
  • Anakapalle (Anakapalle Branch)
  • Eluru (Eluru Main Branch)
  • Nuzvid (Nuzvid Branch)
  • Palakollu (Palakollu Branch)
  • Amalapuram (Amalapuram Branch)
  • Pithapuram (Pithapuram Branch)
  • Mandapeta (Mandapeta Branch)