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Explore cards from India's leading banks.
Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
10X Points on Dining, Movies, Grocery
1 Point per ₹150 on others
The privileges that come bundled in, beyond the reward points.
Fuel surcharge waiver
Offline spend benefits
An honest read on where this card earns its keep — and where it doesn't.
Good for offline
Easy approval
Low rewards rate
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how SBI SimplySave Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for SBI SimplySave Credit Card.
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Everything you need to know about SBI SimplySave Credit Card fees, reward conversion, lounge access, and application eligibility.
SBI SimplySave Credit Card has an annual fee of ₹499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "2000 Bonus Points".
SBI SimplySave Credit Card earns Points at a primary rate of 10X Points on Dining, Movies, Grocery. Specifically, 1 Point per ₹150 on others. Spends in Everyday, Entry Level categories provide the maximum valueback per transaction on this card.
Yes, because SBI SimplySave Credit Card is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
A CIBIL credit score of 650 or above is strongly recommended for approval of SBI SimplySave Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
SBI SimplySave Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI SimplySave Credit Card currently features a welcome offer: "2000 Bonus Points". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Good for offline and Easy approval. However, keep in mind that Low rewards rate. Overall, SBI SimplySave Credit Card delivers strong value if your regular spending aligns with Everyday, Entry Level.
SBI SimplySave Credit Card is focused on Everyday and Entry Level valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, SBI SimplySave Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for SBI SimplySave Credit Card directly through SBI's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
