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Credit Cards · India

SimplySAVE Advantage SBI Card

Updated 3 Jul 2026Source-linked

The SimplySAVE Advantage 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 Bonus Reward Points.

SBI Card logo
SimplySAVE Advantage 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
  • Base 0.15% on other spends
Welcome Benefits
  • 2,000 Bonus Reward Points
SBI Card logoSBIVisa logoentry
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Rewards and Benefits

Rewards Rate
10 pts per ₹150 on dining movies grocery departmental
Base 0.15% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
2,000 Bonus 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
3.75% 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 Bonus Reward Points
    Spend Rs. 2,000 or more within first 60 days
    Window: 60 days from issuance.

Accelerated rewards

  • 10 pts per ₹150 on dining movies grocery departmental
    10X Reward Points per Rs. 150 spent on Dining, Movies, Departmental Stores and Grocery.

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
—
Credit score
—
Income (salaried)
—
Income (self-employed)
—

Secured card issued against a fixed deposit; no separate income/credit-score criteria published.

Tagsentryeveryday spendpointssecured