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City Union Bank SimplySAVE SBI Card

Privileges on City Union Bank SimplySAVE SBI Card

Know what you would be entitled to with this card

Extravaganza Offer

Extravaganza Offer

  • Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points
  • Click here to know more.
10x Reward Points

10x Reward Points

  • Enjoy 10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery Spends
  • Earn 1 Reward Point per Rs 100 spent on all your other spends (4 Reward Points = Rs. 1)
Enjoy Complete Fuel Freedom

Enjoy Complete Fuel Freedom

  • Get freedom from paying the 1% Fuel Surcharge at any Petrol pump
  • Transact an amount between Rs. 500 to Rs. 3,000 at any Petrol pump in India to avail this offer
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Enjoy Complete Fuel Freedom

  • You get maximum surcharge waiver of up to Rs. 100 per statement cycle, on your City Union Bank SimplySAVE SBI Card
Spend Based Reversal

Spend Based Reversal

  • Get annual membership fee reversal from second year of your subscription
  • To avail fee reversal, you need to have spent Rs. 1,00,000 or more on your City Union Bank SimplySAVE SBI Card in the previous year
    • Annual Fee (one-time):Rs. 499
    • Renewal Fee (per annum):Rs. 499

Know your City Union Bank SimplySAVE SBI Card

Your City Union Bank SimplySAVE SBI Card now comes with a host of features

  • Reward Point

      • Earn 1 Reward Point on every Rs. 100 that you spend using the City Union Bank SimplySAVE SBI Card
      • Use your Reward Points to pay the outstanding balance on your Credit Card or redeem against a wide array of gifts
        • Click here to browse through our Rewards Catalogue to choose your gifts
  • Welcome Offer

      • Get Rs. 100 cashback on your first ATM cash withdrawal, if done within 30 days of receiving your Credit Card
  • Contactless Advantage

      • Daily purchases now made easy with City Union Bank SimplySAVE SBI Card. Simply wave your Card at a secure reader to transact
      • Fast & convenient: No need to hand over your Credit Card or look for cash /coins for everyday small ticket purchases
      • Security:  The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is waved multiple times at the reader, the unique security key feature of Visa PayWave will ensure that only one transaction goes through, thus making it more secure
      • Please click here to download the FAQ’s
      • Please click here to download the list of Merchants enabled for transactions.
  • Worldwide Acceptance

      • You can use your City Union Bank SimplySAVE SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
      • Use your card to make payments at any outlet that accepts Visa or MasterCard
  • Add-on Cards

      • With City Union Bank SimplySAVE SBI Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Cash on the Go

      • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
  • Utility Bill Payment Facility

      • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your City Union Bank SimplySAVE SBI Card
      • Click here to know more
  • Flexipay

      • With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your City Union Bank SimplySAVE SBI Card, and log onto sbicard.com within 30 days of purchase to convert it into Flexipay
      • Click here to know more
  • Balance Transfer on EMI

      • Save money while paying your credit card dues
      • Transfer the outstanding balance of other banks’ credit cards to your City Union Bank SimplySAVE SBI Card, to avail a lower rate of interest and pay back in EMIs
      • Log onto sbicard.com with your user ID and password to avail this service
      • Click here to know more
  • Easy Money

      • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
      • Log in with your username and password to sbicard.com to book Easy Money
  • Fees

      • Annual Fee (one time): Rs. 499 + Taxes
      • Renewal Fee (per annum): Rs. 499 + Taxes from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 1,00,000.
      • Add-on Fee (per annum): NIL
  • Extended Credit

      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
      • Finance charges: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of transaction
      • Minimum Amount Due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( in case of EMI based product) + Over Limit Amount (if any)
  • Cash Advance

      • Cash advance limit: Upto 80% of the credit limit, with a maximum of Rs. 15,000 per day
      • Free credit period: Nil
      • Finance charges: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of transaction
  • Cash Advance Fee

      • SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
      • International ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
  • Other Charges

      • Cash payment fee: Rs. 199
      • Payment dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
      • Statement retrieval: Rs. 100 per statement that is more than 2 months old
      • Cheque Fee: Rs.100+ taxes. This fee is not applicable for Senior citizens.
      • Late payment:
        • NIL for Total Amount due from Rs.0-Rs.200;
        • Rs. 100 for Total Amount due greater than Rs. 200 & up to Rs. 500;
        • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
        • Rs. 600 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
        • Rs. 800 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000;
        • Rs. 950 for Total Amount due greater than Rs. 25,000
      • Over limit: 2.5% of over limit amount, subject to a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost (subject to a minimum of $175)
      • Foreign currency transaction: Conversion markup: 3.5%
      • Dynamic Currency Conversion: Markup Fee: 3.50% (For All Cards Except Elite) 1.99%(For Elite Cardholders Only) (Only for transactions greater than or equal to Rs. 1000)
      • Rewards redemption fee: Rs. 99
      • Priority Pass Lounge Charges : All Airport Lounge visits within India through the Priority Pass Program will be charged with an 19 usage fee of $27 per visit + applicable taxes. All Airport Lounge visits outside India through the Priority Pass Program, after exhausting the complimentary visits, will be charged with an usage fee of $27 per visit + applicable taxes. For more details, please visit sbicard.com All guests being accompanied by the SBI Cardholder having the Priority Pass, to visit the Airport Lounge will be charged with an usage fee of $27 per visit + applicable taxes.
  • Surcharges

      • Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets through irctc.co.in: 1.8% of transaction amount + service charge, as applicable
      • Petrol and other products or services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts 1% of transaction amount for transaction amount between Rs. 500 to Rs. 4,000
      • Payments of Customs duty: 2.25% of transaction amount (subject to a minimum of Rs. 75)
  • Order of Payment Settlement

      • All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, and Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.
  • Things to know

      • Submit account payee cheques following CTS 2010 standards for timely processing of your cheque payment
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges

      Your continued use of the card will be deemed acceptance of amendments in all Terms and Conditions

       

      For assistance, please call SBI Card helpline at:

      Dial 1860 180 1290 or 39 02 02 02 (prefix local STD code)

      All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

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