SBI SimplySAVE Credit Card Review


ints on purchasing offline on Eating, Films, Departmental Shops and Grocery Spends and there’s no most cap on bonus reward factors which is just superb. This is among the finest bank cards in India for novices proper now for offline spends.

SBI SimplySAVE Credit Card

SBI Playing cards usually have good design and SimplySAVE isn’t any exception. The sunshine blue murals on darkish blue background makes it aesthetically pleasing to the eyes. The cardboard is issued on each Visa and MasterCard platform and is enabled for contactless funds.

Eligibility Standards

Although SBI Card has not disclosed the eligibility standards for SimplySAVE Credit score Card, I gathered following info from their government:

  • Age: Minimal 21 Years
  • Salaried: Web Month-to-month Revenue > Rs. 25,000 monthly
  • Self Employed: ITR > Rs. 3 Lakhs every year

SBI Card may be very strict about credit score historical past and there’s a excessive probability of rejection if you happen to don’t have credit score historical past or your credit score rating is low.


SBI SimplyCLICK Credit score Cardd comes with following charges:

  • Becoming a member of charge: Rs. 499 + GST
  • Renewal charge: Rs. 499 + GST

Renewal charge is waived off if spend in earlier yr is greater than Rs. 1 Lakh. SBI Card usually doesn’t points bank card life time free and one must pay the annual free yearly if they don’t seem to be capable of meet the spending standards for charge waiver.


SBI SimplySAVE Credit score Card is tailor-made for offline spends and therefore the rewards and options are tweaked to provide most profit on offline spends.

Welcome Profit

  • 2,000 Bonus Factors on spends of Rs. 2000 inside 60 days of receiving card

2,000 reward factors are value Rs. 500 and it’s fairly clear that SBI Card compensates for becoming a member of charges by offering bonus reward factors of equal worth.

Reward Factors

  • 1 Reward Level = Rs. 0.25
  • 10 Reward Factors per Rs. 100 spent on Eating, Films, Departmental Shops and Grocery Spends, 2.5% reward fee
  • 1 Reward Level per Rs.100 on all different spends, 0.25% reward fee
  • Reward factors will be redeemed from
    • Rewards catalogue
    • Assertion credit score (minimal 2,000 reward factors required for assertion credit score)
  • Reward redemption charge of Rs. 99 + GST relevant on every redemption

The reward catalog of SBI Card is first rate and you may redeem reward factors for e-vouchers of Flipkart, Amazon, BigBazaar, Central and many others in addition to bodily items.

Finance Expenses

  • International Forex Markup of three.5%
  • Revolving credit score at rate of interest of three.35% monthly
  • Comfort charge waiver of 1% on all gas transactions between Rs. 500 to Rs. 3,000


SBI SimplySAVE Credit score Card supplies nice worth for offline spends, however it has some drawbacks too:

  • Low default reward fee: The reward fee of 0.25% on on-line spends and different classes is a joke. I want, SBI Card ought to have offered a greater reward fee provided that lately launched co-branded bank cards present approach higher reward fee than this.
  • No milestone advantages: SBI SimplySAVE Credit score Card doesn’t present any spend primarily based milestone advantages which is disappointing. Many different bank cards from SBI present this, undecided why it was omitted from this this card.


SBI SimplySAVE Credit score Card is an offline counterpart of SBI SimplyCLICK Credit score Card. Nevertheless SBI Card has actually stripped down the rewards on this one. 2.5% reward fee on offline spends Eating, Films, Departmental Shops and Grocery is nice, however absence of milestone advantages and low default reward fee different classes is actually disappointing. This card could make sense to folks in Tier 2 and three cities the place many of the spend is offline. Nevertheless, I might counsel SBI SimplyCLICK Credit score Card over this any day owing to higher return worth proposition.



Please enter your comment!
Please enter your name here