SBI Simplysave should i take this card or wait

[vaibhav111vaibhav111 is verified member.]

i already have SBI Simplyclick and i keep getting message from sbi to take sbi simplesave mentioned it pre- approved , i use my simplysave cause i get some benefit i guess which variant from sbi will be better choice for 2nd card, this is first year so will cross 1 year to get fees reversal next year, limit is 1 lakhs only it did got increment from 50 k to 1 lakhs i believe

 

[vaibhav111vaibhav111 is verified member.]

 

[AllSeeker]

SBI devalued its reward system, now simplysave gives only 1.66 and that too you don't get on spends below Rs 150. This particular card also has no milestone benefits, so its fairly garbage card unless you have no other credit cards and spend a lot on grocery.

Honestly I prefer axis fk lot more even though its 1.5%, since its hassle free.

SBI's best card is simplyclick, that too if you spend online and get its milestone. Otherwise go for their higher variants, another problem is that they don't give LTF easily. So its becomes pain to have SBI cards just for offers.

Again, these are decent cards if you have nothing else but not so good if you have other cards, even basic cards from other banks beat SBI.

 

[AllSeeker]

Oh, and you have to pay Rs 99 for reward redemption. What a joke.

 

[Nick]

Prime is a great card if your spends meet and fall in line with it’s reward milestones. I use it mostly for grocery, bills and when there are good SBI offers on planned or festive purchases.

 

[vaibhav111vaibhav111 is verified member.]

Why don't you opt for prime?

Mostly cause I would have to spend 3 lakhs and currently two card i hold require 2 lakh on axis FK and Paytm first card 50 k ..

 

[vaibhav111vaibhav111 is verified member.]

Oh, and you have to pay Rs 99 for reward redemption. What a joke.

Yes even idfc will be doing that post July or October don't remember from when but it happening

 

[vaibhav111vaibhav111 is verified member.]

SBI devalued its reward system, now simplysave gives only 1.66 and that too you don't get on spends below Rs 150. This particular card also has no milestone benefits, so its fairly garbage card unless you have no other credit cards and spend a lot on grocery.

Honestly I prefer axis fk lot more even though its 1.5%, since its hassle free.

SBI's best card is simplyclick, that too if you spend online and get its milestone. Otherwise go for their higher variants, another problem is that they don't give LTF easily. So its becomes pain to have SBI cards just for offers.

Again, these are decent cards if you have nothing else but not so good if you have other cards, even basic cards from other banks beat SBI.

Oh didn't knew about sbi devaluate simply save reward system

 

[vaibhav111vaibhav111 is verified member.]

Prime is a great card if your spends meet and fall in line with it’s reward milestones. I use it mostly for grocery, bills and when there are good SBI offers on planned or festive purchases.

Yeah I look for benefit of prime sbi and there are so many of them so I might take prime in end of 2022 cause by October this card will complete another year so will see and try to convert simplyclick to LTF..so I can get prime and move all my spend to prime and even axis FK will try to get LTF

 

[Bob78900]

I don't think they give LTF to people other than govt. employees.

Wait sbi gives ltf cards for govt sector employees?

 

[Lakshya Mahani]

Wait sbi gives ltf cards for govt sector employees?

Same question from my side too.

 

[AllSeeker]

Yes, government employee will get SBI cards for LTF, they will have to approach bank regarding that.

 

[AllSeeker]

Also, in some offer period in malls you might get FBB SBI cards for LTF. I was ones approached for it but I didn't apply at that time.

 

[Lakshya Mahani]

Yes, government employee will get SBI cards for LTF, they will have to approach bank regarding that.

What to say in bank exactly?
Please help, as my father is a central government employee and holding a paid simplysave card and i desperately want that charges should be removed from the card because he doesn't use sbi card that much, because of horrible reward rate.

 

[Lakshya Mahani]

Yes, government employee will get SBI cards for LTF, they will have to approach bank regarding that.

Can i convert my father's sbi simplysave card into a lifetime free card?
For any proof regarding salary, my father can provide salary slips too.
Please help.

 

[Bob78900]

Yeah

Do the person needs to hold savings or salary account with them ?

 

[Bob78900]

You can ask SBI branch

They will say no definately even if you will say i am working in govt sector they will say no there is nothing like ltf in sbi 🥲

 

[Lakshya Mahani]

Is SBI his salary account?
I know someone who got LTF complimentary with SBI salary account

No, my father's salary account is in Canara Bank.

 

[Lakshya Mahani]

They will say no definately even if you will say i am working in govt sector they will say no there is nothing like ltf in sbi 🥲

Even I was thinking the same thing.

 

[souvikdey2002]

It helps if salary account is SBI.

My wife's salary account is in SBI, she is a State Government Employee.
Can somebody please tell me that how to contact & whom is to contact?