CardIQIndia
Corroborated — 5 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
24
#163 of 173 in credit
SBI Card

SBI SimplySAVE Credit Card

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Perfect for daily offline expenses like groceries, dining, and movies.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value3/100 · weight 65%
≈ 0.15% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks0/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹499 + 18% GST
= ₹589 total
Annual fee
₹499 + 18% GST
= ₹589 / year total
Waiver: Spend INR 1,00,000 in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
groceriespoints0.42%(1.67 pts @ ₹0.25)—10X Reward Points on Dining, Movies, Departmental Stores and Grocery spends
diningpoints0.42%(1.67 pts @ ₹0.25)——
all_spendspoints0.05%(0.2 pts @ ₹0.25)—1 Reward Point per Rs 150 on all other spends