SBI SimplySAVE Credit Card is a credit card for people who want to save as much as possible on their daily expenses. In the fast pace of life, credit cards have become an effective financial tool that makes shopping easier and offers you various benefits and rewards. SBI SimplySAVE Credit Card is for those who are making frequent purchases for their daily requirements, such as movie tickets, grocery, dining, and departmental stores.
The specialty of this credit card is that it allows you to get reward points with every purchase and you can utilize those points either to pay the bill or collect more reward points. Other than this, you get many benefits from this credit card such as fuel surcharge waiver, cashback, and easy EMI options. It is an entry-level credit card, but the benefits are not less than that of any premium card.
In today’s article, we will discuss in detail about SBI SimplySAVE Credit Card. Along with this, in this article, we will tell you what is SBI SimplySAVE Credit Card. What are its benefits? What are the fees of an SBI SimplySAVE Credit Card? We will discuss all these topics in today’s article. Therefore, read this article till the end so that you do not face any problems later.
What is the SBI FBB Style Up Credit Card?
SBI is a very big and trusted bank of our country which is known as State Bank of India. It is a very old bank. Loans are given to you in it and along with that, you also get the facility of your debit and credit card from here.
Many credit cards are launched every year in SBI Bank so that all the customers of SBI get a chance to use new credit cards and also get to know about their benefits. SBI SimplySAVE Credit Card was introduced by SBI in March 2018. Since then, the use of the SBI SimplySAVE Credit Card has increased a lot because you are given many benefits with the SBI SimplySAVE Credit Card.
All of you use the SBI SimplySAVE Credit Card for online shopping and offline expenses like movies, dining, eating at the mall, airport tickets, and many other things. And let me tell you that for every expense you make using this credit card, you are given reward points which you can use for your next expense for free.
How is the design of the SBI FBB Style Up Credit Card?
The SBI FBB Style Up Credit Card has been designed to look sleek, stylish, and modern. The target audience is the fashionable individual, and along with that comes an elegant combination of colors, featured with a prominent logo and design elements that make it stand out.
The design is clean with the easy readability of the text on the card. It ensures to be very user-friendly and very pleasing to the eye, therefore being of overall benefit to style and fashion as well as shopping.
What are the benefits of the SBI FBB Style Up Credit Card?
Here are the three major benefits for you to sign up for this credit card:
- Reward Points on fashion purchases- The biggest advantage of using this card is that it lets you earn reward points for every single purchase you make. You earn 10 Reward Points per ₹100 spent at FBB and associated stores, making it a great choice for frequent shoppers.
- Reward Points on Other Purchases: You also get 1 Reward Point for every ₹100 spent on all other purchases. So, you would be earning points even when you shop outside FBB stores and hence you have more flexibility and additional value for your daily expenses.
- Welcome Gift: Once your request is approved and activated, you will receive a welcome gift voucher for shopping at FBB making your first shopping experience with the card very exciting.
- Discount on fashion buying: It provides a discount of 10% at the point of purchase from FBB and Big Bazaar, which are its retail partners.
- Fuel Surcharge Waiver: With the fuel surcharge waived by up to 1% on all fuel stations in India, the SBI FBB Style Up Credit Card is good for those who are frequent drivers.
- Birthday Benefits: The benefits at the time of birthday of cardholders would be special in that they are treated with discounts and offers that have a personal touch to them.
- Milestone Benefits: The card also provides milestone benefits. Once you cross a certain spending limit in a year, you can earn extra reward points or vouchers, which increase the overall value of the card.
- Easy Redemption of Reward Points: You can redeem your accumulated reward points for discounts, gift vouchers, and various products through the SBI Rewards portal, providing flexibility in how you use your points.
What are the fees for the SBI FBB Style Up Credit Card?
Here is a simple breakup of the SBI FBB Style Up Credit Card fees.
| Joining Fee | ₹4,99 + GST (one-time fee when you get the card). |
| Annual Fee | ₹4,99 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year. |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | 3.50% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹600, whichever is higher. |
| Late Payment Fee | For Statement Balance Rs.0 to Rs.500: NILRs.500 to Rs.1,000: Rs.400Rs.1,000 to Rs.10,000: Rs.750Rs.10,000 to Rs.25,000: Rs.950Rs.25,000 to Rs.50,000: Rs.1,100Rs.50,000 and above: Rs.1,300 |
What are the criteria for getting an SBI FBB Style Up Credit Card?
The following are the primary requirements:
- To apply for the SBI FBB Style Up Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.1 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for SBI Bank to favor borrowers with a better credit score usually above 750. A better credit score generally indicates that the person has an excellent history in managing his finances and is quite reliable as a borrower.
- You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an SBI FBB Style Up Credit Card?
The documents that you will have to submit to get an SBI FBB Style Up Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the SBI FBB Style Up Credit Card be used?
Here is the list of places where you can use it:
- With the SBI FBB Style Up Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your SBI FBB Style Up Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The SBI FBB Style Up Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the SBI FBB Style Up Credit Card?
The credit amount you can spend is what you are provided with an SBI FBB Style Up Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an SBI FBB Style Up Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the SBI Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the SBI FBB Style Up Credit Card.
- Just hover your cursor on the SBI FBB Style Up Credit Card, followed by selecting ‘Apply Now’ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest SBI Bank branch to apply for the SBI FBB Style Up Credit Card.
- Request for the credit card application form of the SBI FBB Style Up Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the SBI FBB Style Up Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, or mobile app or by calling their customer service.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an SBI FBB Style Up Credit Card in 2025 be right?
Yes, getting an SBI FBB Style Up Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion:
SBI SimplySAVE Credit Card is a great choice for those who want to save more and earn rewards points on their daily expenses. This credit card not only allows you to earn better reward points on shopping, dining, movie tickets, and other everyday expenses, but also offers you features like a discount on fuel surcharge, easy EMI option, and cashback.
With an affordable annual fee, this credit card is perfect for those who are looking for a simple and affordable credit card to manage their everyday expenses and enjoy rewards at the same time. SBI SimplySAVE Credit Card makes your financial transactions easy and profitable and is also very easy to use.
If you need a credit card that helps you save and allows you to control all your expenditures intelligently, then the SBI SimplySAVE Credit Card can be a good fit for you. Using this will make you garner even more rewards when you’re trying to satisfy all your regular requirements.
Frequently Asked Questions (FAQ’s)
Ans: The immediate key benefit is a 10% discount at FBB and Big Bazaar, reward points on every purchase, a fuel surcharge waiver, birthday benefits, and exclusive fashion deals and special events.
Ans: No reward points are received on fuel purchases, but fuel surcharge waivers up to 1% can be availed at all the fuel stations in India.
Ans: Generally, the SBI FBB Style Up Credit Card offers an interest rate against outstanding balances which is 3.50% a month, with an annual charge of 42%. Interest might be levied if your due date passes before you make payments. If not, the extra card would indeed be given to the account.
Ans: Yes, you may obtain supplementary cards for your family members. The supplementary cards will have the same benefits as the principal card, including reward points and discounts.
Ans: You may monitor reward points and spending through the SBI Card mobile application or by logging into your account on the SBI Card official website.
