Everyday rewards
SBI SimplySAVE Credit Card
A low-fee card for daily spends: 10X points on dining, movies, groceries and department stores.
Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹1 lakh spend a year
Top reward10X on dining, movies, groceries
LoungeNone
Forex markup3.5%
Best for: Families whose main spends are groceries, eating out and movies.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Dining, movies, groceries, department stores | 10 points per ₹150 (about 1.67%) | 5,000 points a month |
| Other spends | 1 point per ₹150 | – |
| Fuel, rent, government, EMI, cash | Nothing | – |
- 1 point = ₹0.25, redeemed through SBI Card.
Benefits
Welcome benefit
- 2,000 points (₹500) on spending ₹2,000 within 60 days.
Milestones
- Annual fee waived on ₹1 lakh spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹500 to ₹3,000.
- Forex markup 3.5%.
Other perks
- RuPay version can be linked to UPI
Fees and charges
| Joining fee | ₹499 + GST (₹589) |
|---|---|
| Annual fee | ₹499 + GST, waived on ₹1 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed; SBI Card decides income case by case
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Rewards on offline groceries and dining
- Easy fee waiver
- Welcome points cover the fee
Watch out for
- Low point value
- Other spends earn very little
- No travel benefits
Frequently asked questions
Is SBI SimplySAVE free?
No, ₹499 + GST a year, waived on ₹1 lakh spend.
Ready to apply for the SBI SimplySAVE Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor review. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.