SBI Simplysave is a flexible financial tool. This card was created to meet the day-to-day requirements of people. It combines credit cards with UPI (Unified Payments Interface) convenience. This allows for a seamless payment experience on various platforms and merchants both online and offline.
SBI SimplySave UPI Credit Card
UPI credit cards are gaining a lot of popularity among Indian users. Observing this, SBI has recently introduced a new UPI based credit card namely SBI SimplySave. This card is loaded with features and new offers.
If you are looking for a UPI enabled credit card, you should apply for SimpleSave card. If you are eligible, your card will reach your doorstep within a week. Go through the article for more information on Eligibility, Application, Features, Fees.
SBI Simply Save UPI Card Features
Worldwide Acceptance: It is accepted at over 29 million outlets across the globe, including more than 325000 in India only.
Credit Facility: Allows paying minimum due to total amount outstanding which helps in better financial management for cardholders.
Cash on the Go: Over 1 million ATMs worldwide allow cash withdrawal by cardholders globally.
Exclusive Benefits: Includes balance transfer, easy bill payments, Flexipay installments and comprehensive insurance cover options etcetera.
Security: An EMV chip makes it more secure against frauds while providing 24/7 global customer assistance for lost or stolen cards as well.
SBI Card Alerts: These are regular SMS updates that keep customers informed about their credit card status promptly.
Current Offers with SimplySAVE SBI Card
Extravaganza Offer : Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points.
10x Reward Points : Get 10 Reward Points for every Rs 150 spent on dining, movies, department stores, and groceries. Earn 1 Reward Point for every Rs 150 spent on all other purchases. (4 Reward Points = Rs 1)
Welcome Offer : Users Get Rs. 100 cash back on their first ATM cash withdrawal. This is applicable if done within 30 days of receiving your card
Fuel Offer : Avoid the 1% fuel surcharge by spending between Rs. 500 to Rs. 3,000 at any petrol pump in India.
Simple Save Card SBI : Annual & Renewal Fee
One important thing to understand is that this card is now free. You need to pay annual charges. After year, you need to pay the renewal fees.
| Annual Fee | Renewal Fee |
| Rs. 499 | Rs. 499 |
UPI functionality on SBI SimplySave Card
With this feature users can link any UPI enabled app with their credit card. By doing so they will be able to use UPI not just for debit but also for credit transactions thereby enhancing flexibility. Here are some aspects related to UPI functionality with SBI Simply Save card:
Linking SBI Simply Save Credit Card To UPI App:
A person can link his/her SBI SimplySave UPI Card through a third-party UPI app such as BHIM, Paytm or Google Pay etcetera by selecting the card and generating a suitable Upi Pin among other simple steps involved in the process.
Transaction Limits:
The maximum limit per day is Rs.5 lakh subject to available credit limit on your sbi simplysave upi carD.
Fees & Charges :
There are no charges levied for linking SBI simplysave card to UPI or for transactions done through it.
Restrictions:
This facility does not support P2P or C2C transactions using UPI on this card. It is strictly meant for payments to merchants (P2M).
Security & Controls:
For online or contactless transaction usage, specific controls need to be enabled separately on your sbi credit card SAFETY.
Who is Eligible?
The eligibility is determined based on your Credit Score and KYC Verification. You need to provide PAN, Photograph, Aadhaar Card & Bank Account details to proceed
How to Apply Online for SBI Simplysave UPI Credit Card
The first step is to head to the official webpage on sbicard website.
- Once there, Click on “Start Apply Journey”
- The application process is a three step process i.e. Personal Details, Professional Details & KYC Details
- After providing these details, your application is submitted.
- You can check your application status time to time.
- If your application is approved, you shall receive your Credit card at your doorstep within a week.
How to Check Application Status
After you apply online, you can check the application status anytime. To do this follow these steps:
- Go to Status Checking Page
- Enter your application/reference number.
- Then click on Track.
- Now the status will be displayed.
Advantages Of SimplySave UPI Card
The use of the SBI SimplySave UPI Card incorporates a traditional credit card’s credit facility with the immediacy and convenience of UPI thereby reducing cash reliance during financial transactions. Furthermore, this hybrid approach enhances transaction security as well as offers an opportunity for managing large transactions without immediate cash outflow which is in line with contemporary financial management practices.
The SBI SimplySave UPI Card is designed for today’s customer who needs convenience, safety and flexibility in one product. It proves that banks can blend old banking products with new digital payment systems thus driving more digitization and less cash usage in economies around the world.
Frequently Asked Questions
How to Link this card with UPI Application?
Linking my SBI SimplySave UPI Card to a UPI app can be done by following some simple steps on any third-party app like Google Pay, Paytm or BHIM. All you need to do is select your card and generate a PIN for UPI.
Is there any transaction limit for the SBI SimplySave UPI Card?
Yes, the daily transaction limit for this card is up to 5 lakh rupees which is subject to your credit limit availability.
Are there any fees or charges for using UPI with SBI SimplySave Card?
No, there are no fees for linking this card with UPI or conducting transactions through it.
What are P2P and C2C transactions in UPI?
P2P stands for Peer-to-Peer transactions while C2C means Card-to-Card transactions through Unified Payments Interface (UPI).
Can I use my SBI credit card for online or contactless payments after enabling controls on it separately?
Yes, you can use it but only when specific controls are enabled on your SBICard account.
How does SBI SimplySave UPI Card differ from traditional payment methods?
This financial tool combines features of both traditional credit cards and immediate payment systems like Unified Payments Interface (UPI). It reduces dependence on cash by providing credit facility while also streamlining financial transactions at lower costs than other modes do.
You can download a UPI-enabled app such as BHIM, Paytm or Google Pay. Verify your mobile number and select “Add Credit Card/Link Credit Card”. From there, choose “SBI Card”, then select your SBI Rupay Credit Card and confirm. If not done already, generate your UPI PIN.
Can I use the SBI SimplySave UPI Card for Peer-to-Peer (P2P) transactions?
No, the SBI SimplySave UPI Card does not allow Peer-to-Peer (P2P) or Card-to-Card (C2C) transactions on UPI. It is only meant for payments to merchants (P2M).
What is the transaction limit of the SBI SimplySave UPI Card on UPI?
The daily transaction limit for SBI SimplySave UPI Card on UPI is 5 lakh rupees, subject to available credit limit on card. For small offline merchants, the limit is 1 lakh rupees.
What should I do if my SBI SimplySave Upi card is lost or stolen?
Report the loss immediately to sbi card helpline numbers; block the old card and request reissue. Once you receive new card then re-register it in upi app and reset your upi pin.
Can I receive fund in my sbi simplysave upi card through upi?
No , funds cannot be received through upi into sbi simplysave upi cards they can only make payment via this mode.
How can I make payment at Point of Sale (PoS) using my sbi simplysave upicard?
Scan merchant’s upi qr code at pos with your upi app, enter amount, select your sbi rupay credit card account and authorize transaction by entering your upi pin.
If my SBI SimplySave Upi card is renewed , do I need to update anything on UPI apps?
Yes, you need to update your card details in the upi app and reset your upi pin using new card information after renewal or replacement of the existing one.
Are there any categories of transactions that are restricted on the sbisimply save upicard?
Yes, there are some types of transaction which are not allowed through this card. They include cash withdrawal atms/merchant establishments; digital account opening/lending platforms/ERUPI (electronic regional payment system) etcetera as well as foreign inward remittances.
How can I view transactions done through UPI on my sbi simplysave upicard?
All the transactions carried out via UPI with sbi simplysave credit cards would be available for reference in monthly statements generated by them which should be checked regularly.
Quick Links
| Official Webpage | Visit Now |
| Apply Online | Click Here |
| Check Application Status | Check Here |
| Terms and Conditions | Read Here |