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    SBI Cards

    SBI SimplySAVE Credit Card

    cat name Dining
    cat name Rewards
    3.0/5.0

    Rewards3.0/5

    Dining Benefits3.0/5

    Welcome Benefits3.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹499* Plus Applicable Taxes

    Reward Points

    Reward Points

    10X rewards on dining, movies & grocery

    Entry-level

    Entry-level

    Low annual fee & easy approval

    Welcome Benefit

    Welcome Benefit

    2,000 bonus reward points worth Rs. 500

    Updated on September 19, 2025 6:51 pm

    Author: Rupanshi Thapa

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    About The CardReward DetailsBenefits & PrivilegesFees & ChargesThings to KnowExpert ReviewsFAQs

    About SBI SimplySAVE Credit Card

    SBI SimplySAVE Credit Card is one of the most popular entry-level credit cards from the issuer. Consumers can get accelerated rewards on some everyday spend categories like grocery and departmental store spends, dining and movies. Those who regularly spend a considerable amount on these categories can easily accumulate substantial reward points, which can later be redeemed against vouchers. Read on to know about its features and benefits, followed by a detailed review.

    SBI SimplySAVE: Rewards Program

    • 10 reward points on every Rs. 150 spent on dining, movies, grocery and departmental store purchases
    • 1 reward point per Rs. 150 spent on other categories1
    • 4 reward points = Rs. 1

    So, if you spend Rs. 3,000 on grocery purchase, you will earn 200 reward points, which will be equal to Rs. 50. However, if you spend the same amount on travel, base rate will be applicable. This means on Rs. 3,000, you will earn 20 reward points, which will only amount to Rs. 5.

    Hence, cardholders who primarily use SimplySAVE for groceries, dining and movie spends will be able to maximize the benefits.

    Also Read: Best Credit Cards in India

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    Consumers should note that SBI SimplySAVE is an entry-level card. While it is comparatively easy to get approved for this card, it offers a lower value-back in comparison to some cashback cards and mid-range cards that offer category-focused benefits. Before choosing, you must check the cards that you may be eligible for and select the one that could offer the highest value-back on your preferred spending categories.
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    SBI SimplySAVE: Other Features & Benefits

    • Welcome Benefit: 2,000 reward points on spending Rs. 2,000 within 60 days of credit card issuance.
    • Annual Fee Reversal: Annual membership fee reversal from the second year on spending Rs. 1 lakh in the previous year.
    • Fuel Surcharge Waiver: 1% fuel surcharge waiver on your transactions between Rs. 500 to Rs. 3,000 at any petrol pump in India. You can avail a maximum waiver of Rs. 100 per statement cycle.

    Suggested Read: Fuel Credit Cards In India

    SBI SimplySAVE Card Fees and Charges

    Fee Type Amount
    Joining Fee Rs. 499 + Taxes
    Annual Fee Rs. 499 + Taxes
    Finance Charges 3.50% p.m. | 42% p.a.
    Late Payment Charges
    For Statement Balance:
    Less than Rs. 500 Nil
    Rs. 500 to Rs. 1,000 Rs. 400
    Rs. 1,000 to Rs. 10,000 Rs. 750
    Rs. 10,000 to Rs. 25,000 Rs. 950
    Rs. 25,000 to Rs. 50,000 Rs. 1,100
    Above Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Who Should Apply for SBI SimplySAVE:

    You frequently make grocery and departmental store purchases

    You want to earn reward points which can be later redeemed for vouchers

    You can spend Rs. 1 lakh in a year to get the annual fee waived off

    You do not want to pay a high annual fee

    Similar Cards:

    Paisabazaar Review

    Overall Rating

    3.0/5

    Rewards3.0/5

    Dining Benefits3.0/5

    Welcome Benefits3.0/5

    What do we like about this card?

    SBI Simply SAVE Credit Card is a good option for people who are looking for a basic card with a low annual fee. The card comes with an annual fee of Rs. 499, which can be reversed on spending Rs. 1 lakh in a yearn - an easily achievable number for most users. The card covers quite practical everyday spending categories like grocery and dining. SimplySAVE can also be a worthy upgrade for someone with a basic credit card without accelerated earnings on select categories.

    Pros

    • 10X reward points on dining, movies, grocery and departmental store spends
    • Entry-level credit card with low annual fee and easier eligibility terms
    • Annual fee waiver condition of Rs. 1 Lakh in a year

    Cons

    • Reward redemption options are limited to select brand vouchers only
    • No significant benefits other than the rewards program
    • Low reward rate as compared to some entry-level cashback cards

    Conclusion

    While SBI SimplySAVE Credit Card is a decent entry-level card, its reward rate is lower in comparison to several entry-level cashback cards like YES Bank Paisabazaar PaisaSave Credit Card or Amazon Pay ICICI Credit Card. With YES Bank Paisabazaar PaisaSave Credit Card, consumers can get 5% cashback on all online spends without any merchant restrictions, whereas the Amazon Pay ICICI Credit Card offers up to 5% cashback on Amazon spends. Those who are eligible for better cards and are ready to pay a higher annual fee in exchange for better benefits should explore more mid-range and premium cards.

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    Frequently Asked Questions

    Everything you need to know about this credit card

    You can apply for SBI SimplySAVE Credit Card through Paisabazaar. Enter your mobile number and other required information to check eligibility for this card and proceed to fill out a detailed application form, if eligible.

    You can redeem SBI Credit Card reward points through online and offline modes. To redeem your reward points online, you can download the SBI Card mobile app or visit the internet banking portal of the bank. Apart from this, you can also call on the customer care number and the executive will help you with the redemption process.

    No, you can avail fuel surcharge waiver on your transactions between Rs. 500 to Rs 3,000 across any petrol pump in India. Also, you can avail a maximum waiver of Rs. 100 per statement cycle.

    Every reward point earned using SBI Simply Save credit card holds the value of Rs. 0.25.

    SBI SimplySAVE credit card is a good option for those looking for a low annual fee rewards credit card. It is suitable for those who want accelerated savings on dining, movies, grocery and departmental store spends.

    The credit limit of SBI SimplySAVE credit card depends on the individual’s credit history, income, and credit score, among other factors as per the card provider’s internal policies. So, there is no common fixed credit limit associated with any credit card.

    No, SBI SimplySAVE Credit Card does not offer any airport lounge access facility to the cardholders.

    The current finance charges are up to 3.50% p.m i.e 42% annually. The charges are applicable from the transaction date and are subject to change as per the discretion of SBI Card.

    Both total credit limit and available credit limit can be seen via the SBI Card app and on your monthly credit card statement.

    You can upgrade your existing SBI credit card by first logging in to your SBI Card account and then select the ‘Upgrade Now’ option to upgrade to the card offered to you.

    You can check your application status for SBI Simply Save Credit Card on SBI Card’s official website by entering your application reference number.

    SBI Simply Save Credit Card offers 10X rewards on movies, dining, groceries and departmental store spends.

    Yes. SBI Simply Save Credit Card can be used for international spends.

    While SBI SimplySAVE offers category-specific benefits across dining, movies, groceries and departmental store spends, SBI SimplyCLICK Credit Card is better for online spends. Moreover, Simply CLICK provides the highest value-back on select merchants so consumers who frequently shop with these brands can avail maximum savings.

    Yes, you can transfer the outstanding balance of your credit cards from other banks to your SBI SimplySAVE Credit Card and pay back in EMIs. You can avail this facility of balance transfer by logging in to your SBI Card account using user ID and password. However, this may vary on case-to-case basis.

    To be eligible for an SBI credit card, you must either be salaried or self-employed with a stable source of income and within the age group of 21 to 70 years with a good credit score. Additionally, documents as proof of identity, address, and income are also required. These may include documents like PAN card, Aadhaar card or other government-issued address proof, along with salary slips or income tax returns (ITR), as applicable.

    Yes, you can get add-on cards, along with your primary SimplySAVE SBI Card, for your family members which include your parents, spouse, siblings and children above the age of 18 years.

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    Footnotes

    1. Reward points will not be accrued on fuel, rent payment, wallet reload, government transactions and cash advances.

    Click here to know More Terms and Conditions

    Rupanshi Thapa linkedIn icon

    Content Writer

    Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.

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