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Last updated: 01-06-2026
SBI SimplySAVE Credit Card
SBI Card

SBI SimplySAVE Credit Card

"Best entry card for offline shoppers โ€” 10X rewards on dining, movies, grocery and departmental stores for just โ‚น499 per year"

โ˜…โ˜…โ˜…โ˜…โ˜… 5.0/5 (1 ratings)
Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น499 + GST
๐Ÿ”„ Renewal Fee
โ‚น499 + GST
Waived: Annual fee reversed from second year on spending โ‚น1 lakh in previous membership year
๐ŸŽฏ Best Suited For
Regular offline shoppers, frequent diners, grocery buyers and movie-goers; first-time credit card users wanting accelerated rewards on everyday categories at a low fee
๐ŸŽ Reward Type
Reward Points (4 RPs = โ‚น1; effective 1.67% on accelerated categories, 0.17% on others)
๐ŸŽ‰ Welcome Benefit
2,000 bonus RPs worth โ‚น500 on spending โ‚น2,000 within 60 days of card issuance; Amazon Pay/Swiggy/Zomato voucher worth โ‚น750 on card activation (Visa variant โ€” check current offer)
๐Ÿ’ฐ Reward Rate
10 RPs per โ‚น150 on dining, movies, grocery and departmental store spends โ€” capped at 5,000 RPs per month on accelerated categories; 1 RP per โ‚น150 on all other eligible spends; excludes fuel, utilities, cash, EMI, wallet, government, insurance
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
โญ Rate this Card
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โœ… Pros
  • 10X rewards on 4 everyday categories (dining, movies, grocery, departmental stores)
  • Low โ‚น499 annual fee with easy โ‚น1L waiver
  • 2,000 bonus RPs worth โ‚น500 on just โ‚น2,000 spend in 60 days
  • โ‚น750 activation voucher on Visa variant
  • SBI Card's most widely available entry-level card
  • Flexipay for easy EMI conversion
โŒ Cons
  • No airport lounge access
  • High forex markup 3.5%
  • Base reward rate 0.17% on non-accelerated categories is very low
  • 10X capped at 5,000 RPs per month on accelerated categories
  • Redemption fee โ‚น99 reduces net value
  • Fuel excluded from reward points

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (4 RPs = โ‚น1; effective 1.67% on accelerated categories, 0.17% on others)
Welcome Benefits
2,000 bonus RPs worth โ‚น500 on spending โ‚น2,000 within 60 days of card issuance; Amazon Pay/Swiggy/Zomato voucher worth โ‚น750 on card activation (Visa variant โ€” check current offer)
Reward Rate
10 RPs per โ‚น150 on dining, movies, grocery and departmental store spends โ€” capped at 5,000 RPs per month on accelerated categories; 1 RP per โ‚น150 on all other eligible spends; excludes fuel, utilities, cash, EMI, wallet, government, insurance
Reward Redemption
SBI Card website or app: gift vouchers, merchandise, statement credit (1 RP = โ‚น0.25); redemption fee โ‚น99 + GST per request; Flexipay EMI
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น3,000 at all fuel stations; maximum โ‚น100 per statement cycle
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee reversed on โ‚น1 lakh spend in previous membership year
Milestone Benefits
Annual fee reversal on โ‚น1 lakh spend; 2,000 bonus RPs on โ‚น2,000 spend in 60 days
Other Benefits
Flexipay: convert transactions above โ‚น500 to EMI; Easy Bill Pay for utility payments; add-on cards for family; balance transfer facility; widely accepted at 24 million+ merchants globally

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely card loss reporting
Add-on Cards
Add-on cards for family (spouse, parents, children, siblings above 18)
Concierge Services
Details coming soon
Special Offers
10X rewards on 4 everyday categories; โ‚น750 activation voucher; Flexipay EMI conversion

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น499 + GST
Annual Fee / Renewal Fee
โ‚น499 + GST
โœ“ Waived on: Annual fee reversed from second year on spending โ‚น1 lakh in previous membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding amount
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Redemption fee โ‚น99 + GST per request; 10X accelerated rewards capped at 5,000 RPs per month; Reward Points valid for 2 years

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 70 years; salaried or self-employed; minimum monthly income โ‚น20,000; Indian resident; CIBIL 650+
Credit Score Requirement
650+ CIBIL recommended; accessible for first-time applicants
Credit Limit
Typically โ‚น20,000 to โ‚น2 lakh based on income

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Flexipay: convert transactions above โ‚น500 to EMI; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SBI Card app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely card loss reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on fraudulent transactions after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 180 1290 and 39 02 02 02 (prefix STD); 24x7
Chat / Email Support
Chat via SBI Card app; ILA chatbot; email: customercare@sbicard.com
Mobile App
SBI Card app: track spends, pay bills, Flexipay, redeem rewards
Online Banking
Full management via SBI Card website and app

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:31 PM
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