SBI SimplySave Credit Card

One of the worst credit card please don't apply will payment there lot of problem better not to apply for these card

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Don't ever apply for the SBI credit card. They never care about anything. If you have a request or report anything related to a transaction, you will never get a proper response from them. About customer care, you literally would regret taking an SBI credit card. I have raised a transaction dispute, and they have asked me to upload the document. Unfortunately, the SBI website is not working properly(till today) and was unable to upload the required document. As per the customer care request, I sent the documents through email to chargeback@sbicards.com. It is been almost two months and no proper response from the bank. I'm really fed up with this bank, I'm going to close the card.

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Please no one take sbi simply save credit card, they will call you from your bank and say recive maadikolli in your name, employes and they will not give you correct information, they will tell you that they will cut your annual fees for 1 year, dmart, fuel, hospital. bill, exetra tells you that you can use this card but does not tell you that you have to pay gst amount along with annual fees. Then at the end when they call you for confirmation call then they tell you that you have to pay gst along with annual fees. One of my experiences is that it has been only 1 and a half months since I received the credit card. In 1 and a half months, even though we have not used anything, annual fees+gst has been cut and 998rs minimum due amount endu has also been cut. It has been 1 and a half months since receiving. So please no one ever take sbi simply save credit card they will cheat you and after receiving the card you will get fraud call fake sms so check the call caal recive maadi, check the message and get correct information. Share this information with as many people as possible

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I had been using the card for more than 7 years and has been 100 percent regular on payment etc, however recently I missed a payment, the late payment fee charge was way too much. They impact my cibil and account was blocked, even after payment I had raise multiple times to activate it. I finally closed the account but still I get same bill again and again for same payment. They are not releasing noc as well and declined twice already saying technical error. The service is not at all acceptable and ethical for a 7 yr regular customer. Totally waste of time, money and energy

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After using my SBI credit card for 3 years, I had applied for cancellation of card. After initial reluctance, SBI finally cancelled my card. But Rs 589/- credit balance available in the card is not refunding inspite of repeated reminders. I approached to head customer service. But still this is unresolved for last one month without refund of money. Interaction ID 1-125236791199 and service reference No 1125705521220 were raised which are pending for long time.

People should avoid using SBI card with such pathetic customer service.

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I had been using SBI SimplySave Credit Card during past and experienced that service was not good. An annual fee was charged which was not informed while taking the card. Not only this, they charged interest on my due amount. This enforced me to block the card. A new card was provided by them without my knowledge and willingness and again I was charged money for the same.Though I didn't even use the card, the due amount was risen by the cheaters.I filed a complaint on SBI online site followed by no reply. Customer care services are also poor as an executive told me that he resolved the amount and closed the card. I thought that matter was resolved and third time too, I received messages for due amount. Finally, I lodged a complaint in the consumer court against them.

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Keeping in mind, my long association with SBI for other financial services, I decided I would like to try out its credit card around 4 years back. After a lot of negotiations, they finally managed to allot me the SBI SimplySAVE Pro credit card. Let me talk about my experiences with the same as below.

KEY FEATURES:

I am aware of their other cards too. Personally, I don't think "Credit Cards" is SBI's strong point, even though I like some of their other financial services. They always tend to be relatively less rewarding in this aspect.

5X rewards points: W.r.t. points accrual, it allows you 5X points accrual on any dining outlet, departmental stores and movie experiences. There are probably some reward points on joining too. The good thing is that the reward accrual was always there even on smaller dining outlets for every Rs. 125 spent. But the bad thing was you miss out on points even if you fall short by a small margin. Considering the rewards are itself 5X and not more, overall it doesn't seem like a good deal even though the point accrual is steady and continuous. On similar lines, the points accrual is also accounted for, in movie watching and departmental stores.

Fuel Surcharge Waiver: There is a provision of fuel surcharge waiver also for vehicle owners, although I didn't use it.

VISA Card / International Acceptance: The card is internationally accepted, which is not very unusual nowadays. Also, being a VISA card, it is widely accepted.

Annual Fee Waiver: This is where it scores over the basic SimplySAVE card. One has to spend Rs 30, 000 with this card in the previous year to get the annual fee of Rs. 500 waived. On the non-Pro version, Rs. 1, 00, 000 has to be spent to avail the same. Considering the very basic features, one wonders why isn't there any option of offering free to its loyal and longstanding customers.

WiFi Card: As is the norm with latest cards, WiFi is supported for transactions.

Online Card Transactions: It is supported, but is not as secure as many other cards. One gets that feeling with usage. Transaction can happen easily at times with this card.

Redemption on Products: This is another area where it scores low. It has a vast range of products to be redeemed with one's points. That's not bad, but the redemption rates are so unrealistic or hefty, that one can only dream of reaching their goals, but not practically realise it. That's not a good scenario to complement the already somewhat gradual accrual of points.

If you are only looking to redeem a voucher, there too the rates are lowest, being Rs. 0.20 / point on most occasions (general).

Maybe their aim is to ensure more card usage, but they should also understand why should anyone waste time using a non-productive card when there are so many more rewarding options? To put things into perspective, I only redeemed something 4 times in 4 years.

Customer Service: This is ok. I did not observe anything great or bad in this regard.

Conclusion: To conclude, I was happy to get the burden of having this card off my back a few months back as one feels one has to use it when one has it. At the same time, one wonders, what is the point of using it with such low returns and working hard for basic things.

It is their "Pro Card", but neither SimplySAVE nor SimplySAVePro is likely to compare well with several other basic cards. I'm glad I no longer use it, even though I've had 2 instances of the card in the last 3.5 years.

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I have been using SBI card from long but they are going backward and unprofessional when its come to Customer service on call.They just keep you wait until you get tired of waiting and cut the call .I have waited for 30min 25min and so on but didn't got any customer service executive to get in touch with me. I use Icici card as well and the best thing is they at least tell you exact time of wait and what's your waiting number so that you are aware for the delay. I haven't observe waiting for more that 5mins when I call ICICI or any other Bank service but SBI is just making me disappointed and if this continued ill leave this bank services for other and tell my friends to do so as well.

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I am using the SBI simple save card from last year IN the beginning they charged me around 599 for the apply of the credit card and said that this card is now free for lifetime. In last year I use the card around 100000 rupees and paid timely payment always but they charge again annual fees of 499 . they said that you have to pay the amount it is compulsory.

they also reduced the limit without any prior knowledge.

there is no tracking system for this card how much I spend in previous time.

Very bad service . I used many cards but this card has a very bad service.

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Telephone contact is arranged in @2.5paise per second and attending person have not proper knowledge and solution. Email response solution period is 5 to 8 days in this modern systems.

Request all of you, never apply for this card.

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As I have visited sbi bank for some issue at that time some worker has come near me and asked to take a credit card then after several days I have got credit card and I have used nearly 10000 rupees and after paying time they are taking interest of 5% which was just looting people. I have many banks credit card but sbi credit card was the worst experience in my life and when I contact about my issue to sbi bank they are saying that srry sir we cant do nothing and cant help you that is very strange so plz dont take credit card from sbi as it is your loss.

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My card was renewed and sent to earlier address. This was despite my submitting documentary proof at the time of issue, and subsequent communication through internet portal of SBI cards through writing, and sending scanned documents through it and also updating by voice to an executive calling from Gurgaon. And yet, it was not effected! The reason given is I did not submit scanned documents in the time window. Whatever it means. But I had already communicated through several other channels several times. Why not take cognizance of that? Why rigidly stick to procedure and compelling me to re-initiate the whole procedure again? As a result, I did not receive the card and yet, the complaint system does not accept my complaint because I am using old card number. The card statement sent through e-mail also shows new card and hence deny me entry into the system. But I don't know new card number and the system does not accept my address updation despite sending many times. I feel like crying and am frustrated.

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From the day I have taken SBI credit card..none of my quieries have been cleared because most of the service is sms or mail based...they have their predefined quieries list..from which one have to select their option..as my quieries was not listed there...I mailed them..but they always replied me itrelevent computerised answer which did not clear my doubt...and the toll free number they provide have same problem.it also entertain to only predefined listed quiery and there is no option provided to talk to service executive directly..there is so much irregularities in their emi charging system....

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The worst part of SBI is the customer service which can never be improved. I have been contacting them for last two days but after reaching to the last key(9) on phone IVR replies that the call can be monitored but no one talk from other side even I tried calling from 4 different numbers including landline.

I had closed my relationship with them 3 years back due to the same reason and this time their team mentioned that now the service level has been improved but above incident proves they cannot change their approach as they believe they are the Govt. bank.

Highly unprofessional, worst and pathetic service desk. Never going to suggest anyone SBI card even I shall personally visit the branch and close the card.

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I started using this credit card alot because it provides very low interest rates and the billing cycle of this credit card is very suitable to me . I buy lot of product from Online at emi and no doubt it gives very good interest rates to me , once I had a problem with my credit card and I called their customer service and they picked the call instantly and solved My problem within few minutes, I never got this type of good services from anywhere . I make sure I'll be using this credit for long time and I can trust them blindly

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Credit Cards are good for politicians, business man, rich boy from a rich family, its not made for people like us who earn very few money by doing slavery in a private job straight for 12 hrs

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I have taken this card as SBI credit card team was chasing me from last two years to take SBI credit card. In the past because of different statement provided by selling team and verification team I had declined to take the card after submitting the documents. After that also they reached out to me so many times and I decided to take this card as they will not disturb me again.

Team has mentioned there is no card fee at the time of selling the card, Now SBI has deducted Annual Fee charges from my credit card.

SBI Credit card Team misguiding the people by providing wrong information

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SBI credit card is very well for use transaction is very fast and in this card change dollar into rupees is very fast and it is number 1 bank credit card of India you have to take it

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I have been using the SBI simply save credit card for the last three years. I am quite happy about the charges. My annual fee is waived off for all the three years.

I also availed big loan facility of Rs. 4 Lakhs and Rs. 1.72 lakhs. I have cleared Rs. 4 Lakh loan.

Quite satisfied about the charges.

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Few fraud transactions happened in dollars which r absolutely not done or not aware of them. Informed to customer care to remove them but they say without ur knowledge they won't happen & they never listened. I paid the amount for all the transactions done by me and did not pay fraud transactions. But they did not remove and keep on putting fines & late charges. They always call me on time to make payment but never ever care my complaint. Finally settled with them after paying amount which was not used by me. Literally they robbed my money. SO NEVER GO FOR Any SBI CREDIT CARD

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