SimplySAVE SBI Card
Issuer Regulated by RBI
SBI Card logo
SBI Card

SimplySAVE SBI Card

The SimplySAVE SBI Card is an entry-level rewards card that accelerates earning on everyday spend categories.

Visa
Regular
64
Overall CardCheck ScoreGood

Dining & Food Fit Score

86/100

Best for: Shopping rewards

Joining Fee

₹499

Annual Fee

₹499

Reward Rate (%)

0.25 – 2.5

0.67 pts/₹100 · ₹0.25/pt

Forex Markup

3.5%

Community
(0)
Your Rating

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CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Reward Power

24/35

Fee Value & ROI

24/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category
Dining & Food
86/100
Zero Fee & Starter
85/100
Online Shopping
72/100
Fuel & Petrol
62/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

SimplySAVE SBI Card Benefits

10 Reward Points per ₹150 on dining, movies, grocery & departmental store spends
1 Reward Point per ₹150 on other eligible spends
2,000 bonus Reward Points on ₹2,000 spends within first 60 days
1 Reward Point = ₹0.25 redemption value
Annual fee waiver on ₹1 lakh annual spends
1% fuel surcharge waiver on ₹500–₹3,000 fuel transactions (max ₹100 per statement cycle)
EMI conversion via SBI Flexipay on eligible transactions
Contactless tap-to-pay enabled

SimplySAVE SBI Card Rewards

How you earn back on every swipe

Point Formula: 0.67 pts / ₹100 spent · 1 pt = ₹0.25
0.17% Base Return

points

Reward type

0.25% – 2.5%

Earn rate

0.67

Points / ₹100

₹0.25

Per point

SimplySAVE SBI Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

Joining fee₹499
Annual fee₹499
Fee waiver on annual spend₹1,00,000
Interest-free period50 days
Interest rate (APR)29.97% – 60%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Forex markup3.5%
Fuel surcharge waiverYes (₹500–₹3000)

SimplySAVE SBI Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Card Features

Metal Card
Contactless
UPI Linked

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹1,00,000/yr
₹8,333/mo
Presets:
100% to Annual Fee Waiver₹99,996 / ₹1,00,000

Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.

Est. Base Rewards+₹250@0.25% base rate
Effective Fee₹499billed yearly
Net Annual Value-₹249rewards vs fee
*Estimated using standard base rate (0.25%). Excludes monthly-capped accelerated partner multipliers.Detailed Rewards Calculator →

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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SimplySAVE SBI Card Eligibility

Age21+ yrs – 65
CIBIL scoreCardCheck Estimate
700+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Good entry-level rewards credit card
  • Strong rewards on everyday spending categories
  • Low annual fee with achievable waiver milestone
  • Welcome bonus offsets first-year fee effectively
  • Beginner-friendly rewards structure
  • Useful for grocery, dining & movie spends
  • Widely accepted Visa/Mastercard network support
Cons
  • No airport lounge access
  • Reward redemption value is relatively low
  • Forex markup is high for international spending
  • Best rewards limited to selected offline categories
  • Cashback cards may offer better real-world returns today
  • Reward exclusions apply on fuel surcharge, EMI, rent & wallet loads
  • Limited travel and premium lifestyle benefits

Who is this card for?

New credit card users or those with moderate monthly spends of ₹10,000–₹30,000 looking to earn rewards on everyday categories like groceries, dining, and movies without a complex rewards programme.

Quick Links

Data last updated 6 Aug 2026

All SBI Card credit cards →Best Reward CardsBest Fuel Cards
Free Rewards Math Simulator

Calculate your exact earnings with SimplySAVE SBI Card

Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.

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