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Credit Cards · India

SimplySAVE SBI Card

Updated 15 Apr 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% back 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% on dining movies grocery departmental
  • Base 0.17% on other spends
Welcome Benefits
  • 2,000 Reward Points
SBI Card logoSBIVisa logoplatinumentry
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Rewards and Benefits

Rewards Rate
10% on dining movies grocery departmental
Base 0.17% 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

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% 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.
  • Accelerated earn rate of 10% on dining movies grocery departmental.
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% on dining movies grocery departmental
    10x points on Dining, Movies, Groceries, Departmental Stores.

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 15 Apr 2026. Verify with the issuer before applying.

Eligibility

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