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Comparison · हिन्दी

SBI Cashback vs SBI SimplySAVE

Both cards compared on real rupee returns for best entry SBI credit card India cashback vs SimplySAVE. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
SBI
CASHBACK
ASHOK KUMAR
VS
SBI
SIMPLYSAVE
ASHOK KUMAR
Our verdict
SBI Cashback Credit Card wins for most people
Card A wins decisively with ₹5,241 annual benefit versus Card B's ₹552. Its 5% cashback on online shopping and dining, despite caps, significantly outpaces Card B's lower rewards across your spending pattern.
Side-by-side comparison
SBI Cashback Credit Card ✓ SBI SimplySAVE Credit Card
Annual benefit ₹5,241 ₹552
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (waived on ₹2L spend) ₹499 + taxes (waived on ₹1,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month 10X points (1.33%) on dining, grocery, movies and departmental stores; 1X (0.13%) on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No 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% 3.5%
Best for Flat 5% on all online spends up to ₹40,000/month Everyday dining and grocery spend at a low fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+ per year ₹20,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
SBI Cashback Credit Card
Choose Card A if you make substantial online purchases for shopping and dining. The 5% cashback cap of ₹2,000/month works well for your ₹7,000 combined monthly shopping and dining spend.
SBI SimplySAVE Credit Card
Card B suits those prioritizing minimal fees and simpler rewards. Its ₹499 fee and grocery-focused 10X points benefit users with minimal online spending habits.
Who should get which card
Get SBI Cashback if you…
· 5% cashback on online shopping and dining maximizes your highest spend categories
· ₹999 fee easily waived at ₹2L annual spend (₹14K monthly spend qualifies)
· Superior ₹5,241 annual value despite reward caps
Get SBI SimplySAVE if you…
· Lower ₹499 annual fee if waiver threshold isn't met
· Better for offline-first spenders with heavy grocery shopping
· Simpler reward structure without spending caps
Partner offer
Axis Bank Select Credit Card
Higher 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 spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, SBI Cashback Credit Card offers better annual returns for most spend profiles.
SBI Cashback Credit Card has an annual fee of ₹999 + taxes (waived on ₹2L spend). SBI SimplySAVE Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,00,000/year spend).
SBI Cashback Credit Card offers 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month. SBI SimplySAVE Credit Card offers 10X points (1.33%) on dining, grocery, movies and departmental stores; 1X (0.13%) on others.
SBI Cashback Credit Card lounge access: No. SBI SimplySAVE Credit Card lounge access: None.
SBI Cashback Credit Card charges 3.5% forex markup. SBI SimplySAVE Credit Card charges 3.5% forex markup.