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SBI Card · Visa / Mastercard / RuPay · हिन्दी

SBI SimplySAVE Credit Card: full review

The SBI SimplySAVE is a dependable entry-level card for those whose spending is concentrated on dining and grocery. At ₹499, it earns a solid 1.33% on these categories but offers little for online shoppers.

Apply now ↗Annual fee: ₹499 + taxes
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
)))
SIMPLYSAVE
ASHOK KUMAR
12/28
₹499 + taxes (waived on ₹1,00,000/year spend)Annual fee
10X points (1.33%) on dining, grocery, movies and departmental stores; 1X (0.13%) on othersReward structure
NoneLounge access

Key benefits of the SBI SimplySAVE Credit Card

10 reward points per ₹150 on dining, grocery, movies and department stores1 reward point per ₹150 on all other spends1 reward point = ₹0.20 as cashback1% fuel surcharge waiver (₹500–₹3,000 transactions, max ₹100/cycle)2,000 bonus points on spending ₹2,000 within 60 days of card issuance
Apply now ↗ Min. income: ₹20,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Good 1.33% return on dining and grocery
✓ Very low annual fee of ₹499
✓ Easy fee waiver at ₹1L/year spend
✓ Available on RuPay for UPI credit card payments
Cons
✗ Very low 0.13% base rate on other categories
✗ Reward redemption limited to select brand vouchers
✗ No lounge access
✗ No significant e-commerce category rewards
Quick facts
Issuer SBI Card
Network Visa / Mastercard / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹20,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceSBI Card's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for SBI SimplySAVE Credit Card is ₹499 + taxes (waived on ₹1,00,000/year spend). The joining fee is ₹499.
The main benefits of the SBI SimplySAVE Credit Card are: 10 reward points per ₹150 on dining, grocery, movies and department stores; 1 reward point per ₹150 on all other spends; 1 reward point = ₹0.20 as cashback; 1% fuel surcharge waiver (₹500–₹3,000 transactions, max ₹100/cycle); 2,000 bonus points on spending ₹2,000 within 60 days of card issuance.
10X points (1.33%) on dining, grocery, movies and departmental stores; 1X (0.13%) on others
SBI SimplySAVE Credit Card is best for Everyday dining and grocery spend at a low fee. The SBI SimplySAVE is a dependable entry-level card for those whose spending is concentrated on dining and grocery. At ₹499, it earns a solid 1.33% on these categories but offers little for online shoppers.
The minimum income requirement for SBI SimplySAVE Credit Card is ₹20,000/month (salaried). A minimum credit score of 700+ is also recommended.
SBI SimplySAVE Credit Card does not offer airport lounge access.
SBI SimplySAVE Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
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SBI SimplySAVE₹499 + taxes
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