SBI Card
SimplySAVE SBI Card
Your rating
Community rating
Joining Fee
₹499
Annual Fee
₹499
Reward Rate
—
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.67
Points / ₹100
₹0.25
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- 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
- 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 17 Mar 2026