SBI SimplySAVE UPI RuPay Credit Card

The SBI SimplySAVE UPI RuPay Credit Card is designed for people who want to maximise rewards on everyday spending categories like dining, movies, groceries, and departmental stores. With its unique UPI integration, this card allows you to make seamless digital payments through popular UPI apps while earning accelerated reward points. It's perfect for frequent restaurant-goers, movie lovers, and grocery shoppers who want to save more on their daily expenses.

Overview

• Global Acceptance: Use your card at over 29 million outlets worldwide, including 325,000 in India, making it versatile for both domestic and international purchases.

• Add-on Cards: Empower your family by providing supplementary cards to members above 18 years, allowing shared benefits at no additional cost.

• Cash Withdrawals: Access cash from over 1 million Visa/Mastercard/RuPay ATMs globally, including over 43,000 SBI ATMs in India.

• Utility Bill Payments: Settle electricity, mobile, and other utility bills conveniently using the Easy Bill Pay facility.

• Balance Transfer on EMI: Transfer outstanding balances from other banks at lower interest rates and repay in easy EMIs, providing financial flexibility.

• Flexipay: Convert purchases of ₹2,500 or more into easy monthly instalments within 30 days, helping manage expenses efficiently.

• UPI Integration: Link your RuPay credit card to UPI apps like BHIM, Paytm, PhonePe, and Google Pay for seamless contactless payments at merchants accepting UPI.

Rewards and Benefits

Earning Reward Points

• 10X Reward Points: Earn 10 reward points for every ₹150 spent on: Dining (Restaurants, Eating Places, Drinking Places, Fast Food Restaurants), Movies (Motion Picture Theaters), Groceries (Grocery Stores & Supermarkets), and Departmental Stores

• 1X Reward Point: Earn 1 reward point per ₹150 on all other eligible spends.

Note: The 10X reward points are capped at 5,000 points per calendar month. After reaching the cap, standard reward points (1 point per ₹150) will accrue. Reward points are not applicable on Cash Withdrawals, Balance Transfers, Flexipay, Fuel transactions, Rent Payments (MCC 6513), and Government-related transactions (MCC 9399, 9311).

Redeeming Reward Points

Redeem accumulated reward points for a variety of options, including: Gift Vouchers, Statement Credit (minimum 2,000 points required), and Merchandise.

Note: A redemption fee of ₹99 + applicable taxes will be charged per redemption request for gift redemption and statement credit. Reward points are valid for 24 months from the date of accrual.

Welcome Bonus

• 2000 Bonus Points: Receive 2000 bonus reward points on total purchases of ₹2,000 or more within 60 days of receiving the card.

Note: This offer is valid only on purchases (not valid on Cash Withdrawals or Balance Transfers). Maximum 2000 points can be availed per SBI Card account. Bonus points will be credited within 60 days of eligible transactions.

Fuel Surcharge Waiver

• 1% Waiver: Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at fuel stations across India.

• Maximum Benefit: The maximum waiver is ₹100 per statement cycle.

UPI Payments Feature

Link your SimplySAVE UPI RuPay Credit Card to any UPI app and enjoy: Seamless payments at merchants accepting UPI QR codes, In-app purchases on e-commerce platforms, No additional charges for linking or making UPI transactions, Daily transaction limit of ₹5 lakh (₹1 lakh for small offline merchants), subject to available credit limit, All UPI transactions earn reward points as per the card's reward program.

Note: UPI transactions are only available for Peer-to-Merchant (P2M) payments. Peer-to-Peer (P2P), Card-to-Card (C2C), and certain restricted categories are not allowed.

Contactless Payments

The card features contactless payment technology powered by RuPay Contactless Indicator: Fast and convenient tap-to-pay at contactless-enabled terminals, No PIN required for transactions up to ₹5,000, Enhanced security with encrypted chip technology, Ideal for quick payments at fast-food joints, petrol stations, movie theaters, etc.

Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.