Maximize your savings with every swipe
Elevate your spending efficiency with a card that rewards you for every transaction. The SimplySave SBI Credit Card turns everyday purchases into savings, and is designed to reward you with every spend. Earn welcome points on initial spends and continue accruing rewards for each purchase, making your spending work for you.
Key features
Earn 2,000 points on initial spends and continue collecting rewards for every ₹150 spent
Get your annual fee waived off by spending over ₹1,00,000 annually
Pay your credit card bills partially or fully and convert your spends into monthly instalments
Banking that rewards you
Discover our special and exclusive offers made for you
Got questions? We’ve got answers.
Earn 1 point for every ₹150 spent, with accelerated points in select categories. Redeem these for cash or items from our catalogue.
The annual fee is ₹499 plus taxes, which can be waived off if you spend more than ₹1,00,000 in the previous year.
If you have lost your debit or credit card, or if it has been stolen, you should immediately report the incident to Karnataka Bank to ensure your account's security. You can send an email to info@ktkbank.com detailing the situation. Alternatively, you can call our toll-free customer numbers at 1800 425 1444 or 1800 572 8031. Prompt reporting is crucial to prevent any unauthorized transactions and to secure your account.
Purchases in fuel, insurance, utilities, and cash transactions do not earn reward points.
Yes, you can use a credit card at most ATMs for cash advances. However, be aware that cash advances typically come with high fees and interest rates, which accrue immediately without a grace period.
A credit card lets you borrow funds up to a set limit for purchases, with the expectation that you will pay back the borrowed amount. Interest is charged if the balance is not paid in full by the end of the billing cycle. In contrast, a debit card draws directly from your bank account, using your available funds.
SMS banking for credit cards works by sending you text alerts for your transactions. These alerts can include notifications for purchases, payments, and nearing credit limits, helping you keep track of your spending and card security.
An RFID chip in a credit card is used for contactless payments. This chip uses radio waves to communicate with card readers, allowing for quicker transactions without physically swiping or inserting the card.
The CVV (Card Verification Value) is a 3 or 4-digit security code on your credit card, used for verifying online or over-the-phone transactions. It's an important security feature to help prevent fraud.
To download the KBL Mobile Plus app, visit the Google Play Store or Apple App Store on your mobile device. Search for 'KBL Mobile Plus' in the store, select the app published by Karnataka Bank, and click 'Install' to download it onto your device.
Our credit cards are equipped with a range of features to empower your financial journey. Understanding these features is crucial: earn reward points on purchases, enjoy cashback offers, avail of exclusive discounts, and access a variety of services. By comprehending the benefits and limitations of each feature, you can make informed decisions and leverage your credit card to its fullest potential.
Credit card interest rates at Karnataka Bank are calculated based on the Annual Percentage Rate (APR). This rate is applied to your card's outstanding balance if not paid in full by the due date. Our APR reflects our commitment to providing competitive and fair rates, aligned with our century-long legacy of trust. Understanding your credit card's interest calculation helps in better financial planning.
When you apply for a SBI co-branded card, it is a straightforward process. It's important to be well-informed about the prerequisites and documents required. We guide you through each step, ensuring a seamless and educational experience. Start your application today to unlock a world of tailored benefits and financial empowerment.
