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Credit Cards · India

SimplySAVE SBI Card

Updated 3 Jul 2026Source-linked

The SimplySAVE SBI Card is a entry credit card from SBI Card, with a joining fee of ₹499 + GST.

It earns up to 10 pts per ₹150 (≈1.5% value) on dining movies grocery departmental spends in the form of reward points (points).

Welcome benefit: 2,000 Reward Points.

SBI Card logo
SimplySAVE SBI Card
Visa logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 10 pts per ₹150 on dining movies grocery departmental (cap 5000 points / monthly)
  • Base 0.15% on other spends
Welcome Benefits
  • 2,000 Reward Points
Data verified 3 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
10 pts per ₹150 on dining movies grocery departmental (cap 5000 points / monthly)
Base 0.15% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
2,000 Reward Points
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹117/mo

    You spend ₹8,000 · earns 1.5% = ₹117 uncapped

    • Capped at ₹1,100/mo
    • Valued at realized redemption value
  • Dining & food delivery₹117/mo

    You spend ₹8,000 · earns 1.5% = ₹117 uncapped

    • Capped at ₹1,100/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.1% = ₹22/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.1% = ₹15/mo
  • Utilities & bills₹5,000 · 0.1% = ₹7/mo
Est.net rewards for this spend, realistic
₹3,344/yr

₹3,344 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by SBI Card.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
  • Available on the Visa network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹500 welcome benefit

  • 2,000 Reward Points
    Spend ₹2,000 within 60 days
    Window: 60 days from issuance.

Accelerated rewards

  • 10 pts per ₹150 on dining movies grocery departmental (cap 5000 points / monthly)
    10 RP per Rs.150 on Dining, Movies, Groceries, Departmental Stores. Capped at 5,000 RP per month; thereafter 1 RP per Rs.150.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
—
Income (self-employed)
—
Tagsentryeveryday spendpoints