SBI Credit Card Review : SBI simply save credit card - the best credit card in india

SBI is considered as the best bank in the public sector banks in India. They do not charge any hidden charges like other private sector banks. State bank of India provides different types of credit cards in India. out of them, the budget-friendly card is SBI simply save and simply click credit cards.SimplySAVE is used for offline shopping and SimplyCLICK is used for online shopping. If you do online shopping then you must have this credit card. This credit card provides many offers on online shopping sites like Amazon and Flipkart So here today I will give you information about this credit card.

A credit card is a physical card that you can use to purchase products and services through the electronic medium, even if you do not have money in your account.  ( note -  these cards should not be used in the ATM).

 

Features of SBI Simplysave and click credit card

1. provides 2000 bonus points on spending 2000 rupees in the first 60 days of activating the credit card.
2. these credit cards are accepted in the international outlets with including 350000 outlets in India.
3. Flexipay provides you the facility to convert your credit card money to pay back in easy monthly installments.
4. Pay all the utility bills at a single card.
5. You will get 10x reward points on movies, dining, and shopping.
6. Rewards points on each transaction.
7. 2.5% cashback on offline shopping.
8. Rs2000 Cleartrip voucher on spend of rs100000 in one year.

Eligibility Criteria for SBI credit card

1. The age of the applicant should be greater than 21 years.
2. The applicant should be an Indian resident. 
3. the credit score of account holder should be above 700+
4. The applicant should have all the documents required..
5. applicant should have a monthly income of minimum rs20000. If you are self-employed or have a business you can use ITR to apply.

Joining Fees

Rs499 per year + GST

Other charges on SBI credit card

Foreign Transaction Fee - 3.5%
Card replacement fee - Rs. 100
Cash payment charge - Rs. 100
Late payment charges - Rs. 100 to 750
advance cash fee - 2.5% of the transaction (minimum Rs. 300)
Over limit fee - 2.5% of over the limit amount (minimum Rs. 500).

Documents Required for SBI simplysave card

proof of address  -  anyone from below

• Aadhar Card
• Ration Card
• Passport
• Voter ID
• Driving License
• Electricity/Water or another utility bill not more than 2 months old

proof of identity - anyone from below

• Aadhar Card
• Passport
• Voter ID
• Driving License
• PAN Card
• NREGA Card
• Ration Card

Proof of income - 

• Salary Slip
• Bank Statement
• Form 16
• ITR
• Bank Statements for the last 3 months

Recent passport-sized photos

PAN card mandatory.

( If you do not have monthly income or nor you have any business, then you can apply for the credit card using the Fixed deposit account receipt.)

How to apply for SBI SimplySAVE credit online?

• First, go to https://www.sbicard.com/en/eapply.page
• Select simplysave card from the options.
• Fill up all the required personal, professional details, and residential address.
• Now you will have have to submit the physical documents in the SBI branch. ( sometimes an executive calls you from SBICARD  from SBI)

You can also apply for the credit card offline by going to the bank branch.

I will suggest you apply in offline mode. in the branch, they will solve your all queries cause they get a commission  for each credit card they apply.

If you are having an issue in getting this credit card write down in the comment section I will solve your all the queries.