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Explore cards from India's leading banks.
Last updated: 14 October 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 Reward Points on everyday spends
Earn 10 Reward Points per ₹150 spent on Dining, Movies, Departmental Stores, and Grocery purchases. Earn 1 Reward Point per ₹150 spent on all other eligible categories. 4 Reward Points = ₹1 (Base redemption value is ₹0.25 per point).
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹499 is reversed on achieving an annual retail spend of ₹1,00,000 or more in the previous anniversary year
1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹500 and ₹3,000 (maximum waiver of ₹100 per billing cycle)
Available on the RuPay network (subject to issuance), enabling seamless UPI linkages for merchant payments
An honest read on where this card earns its keep — and where it doesn't.
Very low annual fee of ₹499
Excellent 10X reward rate (approx 1.6% return) on core daily categories like groceries, dining, and movies
Welcome bonus (2,000 points = ₹500) completely covers the first-year joining fee
Reasonable annual fee waiver milestone of ₹1 Lakh
Very poor base reward rate (0.16%) on non-category spending
No premium lifestyle benefits such as complimentary airport lounge access
Strict cap on fuel surcharge waiver (only ₹100 per month)
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 South Indian Bank 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 South Indian Bank Simply Save SBI 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.
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Everything you need to know about South Indian Bank Simply Save SBI Credit Card fees, reward conversion, lounge access, and application eligibility.
South Indian Bank Simply Save SBI 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 "2,000 bonus Reward Points on spending ₹2,000 or more within the first 60 days of card setup.".
South Indian Bank Simply Save SBI Credit Card earns Reward Points at a primary rate of 10X Reward Points on everyday spends. Specifically, Earn 10 Reward Points per ₹150 spent on Dining, Movies, Departmental Stores, and Grocery purchases. Earn 1 Reward Point per ₹150 spent on all other eligible categories. 4 Reward Points = ₹1 (Base redemption value is ₹0.25 per point).. Spends in Shopping, Entry Level, Rewards categories provide the maximum valueback per transaction on this card.
Yes, because South Indian Bank Simply Save SBI 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.
Rewards earned on South Indian Bank Simply Save SBI Credit Card can be redeemed for Credit Card Statement Dues, SBI Card Gift Catalogue via South Indian Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of South Indian Bank Simply Save SBI 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%.
South Indian Bank Simply Save SBI 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.
South Indian Bank Simply Save SBI Credit Card currently features a welcome offer: "2,000 bonus Reward Points on spending ₹2,000 or more within the first 60 days of card setup.". 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 Very low annual fee of ₹499 and Excellent 10X reward rate (approx 1.6% return) on core daily categories like groceries. However, keep in mind that Very poor base reward rate (0.16%) on non-category spending and No premium lifestyle benefits such as complimentary airport lounge access. Overall, South Indian Bank Simply Save SBI Credit Card delivers strong value if your regular spending aligns with Shopping, Entry Level, Rewards.
South Indian Bank Simply Save SBI Credit Card is focused on Shopping and Entry Level and Rewards 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, South Indian Bank Simply Save SBI 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. (1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹500 and ₹3). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
