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SBI SimplySAVE Credit Card
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SBI SimplySAVE Credit Card

★ 3.9 / 5 ⓘ How we rate

10X points on dining, movies & groceries

✅ Verified Oct 2026 from SBI Card's official page →

Joining: ₹499Annual: ₹499🎁 ~0.17% – 1.7% value back
Apply Now — it's free → 🔒 You'll apply on SBI Card's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🛒
10 points / ₹150dining, movies, grocery, dept stores
🎁
2,000 pointswelcome bonus
📲
RuPay on UPIuse credit on UPI
👤
Perfect for

Families who spend on groceries, dining and movies

Key benefits

  • 10 reward points per ₹150 on dining, movies, department stores & groceries
  • 1 reward point per ₹150 on other spends
  • 2,000 bonus points on ₹2,000 spend in the first 60 days
  • 1% fuel surcharge waiver (₹500 – ₹3,000, max ₹100 per bill)
  • RuPay variant can be linked to UPI apps
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Low fee, easy waiver
  • Good for everyday family spends
  • RuPay variant for UPI

Good to know

  • Points worth only ₹0.25
  • Very low rewards outside bonus categories
  • No lounge access

Quick facts

Fee waiverAnnual fee reversed on ₹1 lakh yearly spend
Lounge accessNone
Min. income₹20,000/month
Age21 – 60 years
Credit score720+
NetworkVisa / RuPay
Forex markup3.5%
Joining fee₹499 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • 1% fee on rent payments
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

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❓ SBI SimplySAVE — common questions

Is the SBI SimplySAVE Credit Card lifetime free?

No. It has a joining fee of ₹499 and an annual fee of ₹499 (plus 18% GST). Annual fee reversed on ₹1 lakh yearly spend.

What rewards does the SBI SimplySAVE Credit Card give?

~0.17% – 1.7% value back. 10 reward points per ₹150 on dining, movies, department stores & groceries.

Who is eligible for the SBI SimplySAVE Credit Card?

Minimum income: ₹20,000/month. Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.

Does the SBI SimplySAVE Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the SBI SimplySAVE Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the SBI SimplySAVE Credit Card?

Families who spend on groceries, dining and movies.

Explore🛍️ Shopping Cards📲 UPI Credit Cards🌱 First Credit Card🔵 SBI Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

SBI Card SimplySAVEApply in ~5 min
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