SBI SimplySAVE Rupay Unsecured Credit Card: Features and Charges

SBI SimplySAVE Rupay Unsecured Credit Card is a specially designed credit card for salaried and self-employed individuals in India, making it easier to manage everyday expenses while enjoying exclusive benefits. If you earn a minimum monthly income of ₹20,000, you are eligible to apply.

Read on to explore its key features, required documents, and the easy application process, so you can start enjoying the perks without the paperwork hassle.

Quick Synopsis

• Card for self-employed and salaried individuals.
• 1 Reward point for every ₹150 spent on the card.
• The minimum monthly income to apply for the card is ₹20,000.
• You can apply for the card either online through the SBI Card website or offline by visiting your nearest SBI branch. 

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Features of SimplySAVE Rupay Unsecured Credit Card

Here are the features of the SBI SimplySAVE Unsecured Rupay card:

• If you spend ₹1 lakh in a year, your card renewal charge of ₹499 will be waived.
• You will get 1 reward point for every ₹150 spent using the card.
• This card offers contactless payment facilities for fast and secure payments.
• You can use this card at over 24 million outlets globally, including 3,25,000 in India.
• As a primary cardholder, you can apply for add-on cards for your family members such as parents, spouse, sibling and children.
• This card allows you to withdraw cash at over 1 million ATMs (Visa and Mastercard).
• You can use this card to pay utility bills such as electricity, mobile and others with the Easy Bill Pay facility.
• As a cardholder, you can avail balance transfer facility on your EMI (Equated Monthly Instalment).
• You can convert your payments into Flexipay within 30 days for convenient payments.

SBI SimplySAVE Rupay Unsecured Credit Card Rewards

Make every purchase more rewarding with the SBI SimplySAVE RuPay Credit Card:

• This SBI bank credit card offers 1 reward point for every ₹150 spent using this card. 
• This optimises your spending and reduces your bill amount due for payment. 
• You can redeem your reward points for gifts from the Rewards Catalogue and save on your spending.
• You can further use your reward points to pay the outstanding balance on your credit card. 

Eligibility Criteria for SimplySAVE Rupay Unsecured Credit Card

To apply for this credit card, you must meet the following criteria if you are a salaried individual:

• You need to be between 18 and 65 years old.
• Your monthly income needs to be at least ₹20,000.

For self-employed individuals, here are the criteria they must follow:

• Your minimum and maximum age limits should be 21 to 65 years.
• You need to earn ₹20,000 at least per month as per your ITR (Income Tax Return) file.

Documents Required to Apply for SimplySAVE Rupay Unsecured Credit Card

You need the following documents to apply for an SBI SimplySAVE Rupay Unsecured Credit Card:

• Identity proof and address proof
• PAN card
• Income proof
• Bank statement
• Passport-sized photograph

Fees and Charges for SimplySAVE Rupay Unsecured Credit Card

The card has a joining fee and an annual renewal fee. Here are the fees applicable for this card:

• Joining Fee: ₹499
• Annual Fee: ₹499
• Add-on Card Fee: Not Applicable (Per Annum)

How to Apply for a SimplySAVE Rupay Unsecured Credit Card?

You can apply for a SimplySAVE Rupay Credit Card online or offline. Here is the online application process:

• Step 1: Navigate to the official page of SimplySAVE Rupay Unsecured Credit Card.
• Step 2: Select the 'Click Eligibility' option.
• Step 3: Fill in the necessary details to check your eligibility. 
• Step 4: Fill in the online application form before you click ‘Submit’.
• Step 5: Upload the supporting documents to complete the process.

If you wish to apply offline, visit your nearest SBI branch and fill in the form to complete the procedure. Contact the customer care number of SBI credit card and ensure you carry all the relevant documents with you for a hassle-free experience. 

Final Words

The SBI SimplySAVE Rupay Unsecured Credit Card can be availed by Indian citizens if they have the necessary documents followed by an income of ₹20,000 per month. Salaried individuals need to be at least 18 years and self-employed individuals need to be at least 21 years to apply for the card. 

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