SimplySAVE Card

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A few details to start with

    •                  Joining fee : Rs. 499
    •                  Annual fee : Rs. 499

Privileges on SimplySAVE SBI Card

With SimplySAVE SBI Card, you get unlimited privileges

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.
Value Back

10x Reward Points

  • Enjoy 10 Reward Points per Rs.100 spent on Dining, Movies, Departmental Stores and Grocery Spends
  • On all your other spends, earn 1 Reward Point per Rs. 100 spent
    (4 Reward Points = Rs. 1)
0% Fuel Surcharge

0% Fuel Surcharge

  • Get freedom from paying the 2.5% 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
Learn more
0% Fuel Surcharge
  • You get maximum surcharge waiver of up to Rs. 100 per statement cycle, on your 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 more than Rs. 75,000 on your SimplySAVE SBI Card in the previous year

SimplySAVE SBI Card Features

Know everything about your SimplySAVE SBI Card

  • Reward Point
    • Earn 1 Reward Point on every Rs. 100 that you spend using the 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 cash back on your first ATM cash withdrawal, if done within 30 days of receiving your card
  • Worldwide Acceptance
    • You can use your SBI Gold & More 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 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
  • Online Booking of Railway Tickets
    • You can book your railway tickets online and get them delivered at your doorstep
    • Go to and follow the below steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your SBI Card at the payment gateways that accepts all Visa cards
      All transactions on are governed by the terms and conditions of
  • Utility Bill Payment Facility
    • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your card
    • 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 SimplySAVE SBI Card, and avail a lower rate of interest and pay back in EMIs
    • Log on to with your user ID and password to take benefit of this service
    • Click here to know more about Balance Transfer on EMI
  • Flexipay
    • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your SBI Gold & More Card, and log on to within 30 days of purchase to convert it into Flexipay
    • Click here to learn how to apply for Flexipay
  • Easy Money
    • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
    • Log on to to book Easy Money
  • SBI Card Drop Box Locator
    • Locate the SBI Card drop box nearest to you
      Simply follow these steps:
      • Type "PIN" < space > your 6 digit pin code xxxxxx
      • Send SMS to 56767
      • You will receive the list of drop boxes in your area
  • Fees
      • Joining fee, one time: Rs. 499, Service Tax, as applicable
      • Annual fee: Nil, if the total purchases made by you in the previous year are more than Rs. 75,000. Else, an annual fee of Rs. 499 is charged annually
      • Add-on fee, per annum: Nil 
  • Extended Credit
      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous months’ outstanding balance is paid
      • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum from the transaction
      • Minimum amount due: 5% of total outstanding, with a minimum of Rs. 200 + GST + EMI, in case of loans
  • Cash Advance
      • Cash Advance Limit: Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
      • Free Credit Period: Nil
      • Finance charges# : Up to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal
  • Cash Advance Fee
      • SBI and other domestic ATMs: 2.5% of withdrawal or Rs. 300, whichever is higher, per transaction
      • International ATMs: 3% of withdrawal amount or Rs. 300, whichever is higher, per transaction
  • Other Charges
      • Cheque pick up: Rs. 90
      • Cheque bounce or invalid cheque: 2% of cheque dishonor amount, counting to a minimum of Rs. 350 and maximum of Rs. 500
      • Statement retrieval: Rs. 100 per statement, which is two or more months old
      • Charge slip retrieval: Rs. 225 per charge slip
      • Late payment:
        • Nil for total amount due from Rs. 0 to Rs. 200
        • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
        • Rs. 200 for total amount due greater than Rs. 500 and up to Rs. 1,000
        • Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
        • Rs. 750 for total amount due greater than Rs. 10,000
      • Overlimit: 2.5% of overlimit amount, counting to a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost, with a minimum of $175
      • Foreign currency transaction: Conversion mark up - 3.5%
      • Rewards redemption fee: Rs. 99
      • Cash OTC fee: Rs. 100
  • Surcharge
      • Railway tickets through Railway counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets through : 1.8% of transaction amount + service charge, as applicable
      • Fuel and all products and services sold at petrol pumps: 2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of GST, wherever applicable and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account
  • Order of Payment Settlement
      • Minimum amount due, which is inclusive of GST + EMI on loan plans + 5% of total outstanding, followed by fees and other charges, interest charges, balance transfer outstanding, retail outstanding and cash advance.
      • #Card finance charge is dynamic and will be based on the cardholder’s usage and payment patterns. It is subject to periodic review.
  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • Service tax, as applicable on all above fee, interest and charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      From BSNL/MTNL numbers     1800 180 1290

      From all other numbers       39 02 02 02
      Prefix your STD code if you use your mobile phone.

      All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. SBI Card most important terms and conditions are also available at