CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
SBI Card

SBI SimplySAVE Credit Card

21
Ranked #162 of 170 in credit
creditVisa/MastercardEntry-level lifestyle

SBI entry-level lifestyle card, sister to SimplyCLICK, accelerating offline everyday categories (dining, movies, groceries, departmental stores) at 10X points (~1.7% nominal) rather than online spending — best paired with SimplyCLICK for a two-card offline+online combo.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value5/100 · weight 71%
≈ 0.23% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks1/100 · weight 9%

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: Waived on Rs 1 lakh annual spend in previous year
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
dining_offlinepoints0.42%(1.7 pts @ ₹0.25)—10 RP/Rs 150 on dining/movies/grocery/departmental stores
groceries_offlinepoints0.42%(1.67 pts @ ₹0.25)—10 points per Rs 150 on groceries, dining, movies, departmental stores = 1.67% actual
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_spendspoints0.17%(0.67 pts @ ₹0.25)—1 point per Rs 150 on other spends (including online) = 0.67% actual; no fuel rewards

Welcome offer

2,000 bonus Reward Points (worth Rs 500) on spending Rs 2,000+ within first 60 days of card issuance; not valid on Balance Transfer, Cash Withdrawals, Easy Money Draft spends, or on upgrades/re-issued/replaced/renewed cards

Milestone benefits

Pros

  • Solid 10X (0.67-1.7%, depending on source phrasing) reward rate on offline everyday categories (dining, movies, groceries, departmental stores) — unusual focus vs SimplyCLICK's online-only accelerator, free add-on cards, easily achievable Rs 1 lakh fee waiver, useful complement to SimplyCLICK for offline-heavy spenders

Cons

  • No lounge access at all (confirmed, unlike SimplyCLICK's single ambiguous source claiming lounge access), no reward points on fuel, lower overall reward rate than dedicated cashback competitors (YES Bank PaisaSave, Amazon Pay ICICI) at similar fee, only 1 point/Rs150 (0.67%) on non-accelerated categories including online spending

What's inside

More benefits

  • Welcome bonus points

    ₹500

    2,000 Reward Points (worth Rs 500) on Rs 2,000+ spend within 60 days

    one-time. New cards only, not on upgrades/reissues

Insurance cover

text
₹NaN

Eligibility

text
Age 21-70, regular income source, credit score generally 700+

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 500-3,000 transactions, capped Rs 100/statement cycle; NO reward points earned on fuel