MyFinCards
SimplySAVE SBI Card

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 1 Lakhs)

SBI Card
Shopping
Rewards
Best For: Shoppers spending on dining, movies and groceries, Entry-level cardholders seeking rewards, Frequent fuel spenders looking for surcharge waiver

SimplySAVE SBI Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • 10x reward points on dining, movies, departmental stores and grocery
  • Fuel surcharge waiver at all petrol pumps in India
  • Annual fee waiver on spending Rs. 1,00,000 in the previous year
  • 2,000 bonus reward points on spending Rs. 2,000 in first 60 days
  • No add-on card fee
  • Worldwide acceptance on Visa network

Cons

  • Low base reward rate of 1 point per Rs. 150 on non-accelerated categories
  • Fuel surcharge waiver capped at Rs. 100 per statement cycle
  • 4 Reward Points equal only Rs. 1, limiting redemption value

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel surcharge waiver capped at Rs. 100 per statement cycle

Annual fee reversal requires minimum Rs. 1,00,000 spend in the previous year

Flexipay conversion must be done within 30 days of purchase

Key Benefits & Features

10x Reward Points on Dining, Movies, Departmental Stores and Grocery spends (10 points per Rs. 150)

Balance Transfer on EMI: Transfer outstanding balance of other banks' credit cards at lower interest rate

Contactless payments via Visa payWave for fast and secure everyday transactions

Worldwide acceptance at over 24 million outlets globally including 3,25,000 outlets in India

Cash withdrawal from over 1 million Visa or MasterCard ATMs across the globe

Utility bill payment via Easy Bill Pay facility for electricity, telephone, mobile and other bills

Official Terms & Conditions

About SimplySAVE SBI Card

The SimplySAVE SBI Card is an entry-level shopping credit card designed for everyday spenders who want to maximize rewards on their routine purchases. Issued on the Visa network with a joining and annual fee of Rs. 499, the card is built to reward cardholders on the spending categories that matter most in daily life. The card's standout feature is its accelerated rewards program, offering 10 Reward Points per Rs. 150 spent on dining, movies, departmental stores, and grocery purchases, while all other spends earn 1 Reward Point per Rs. 150. New cardholders can earn 2,000 bonus Reward Points by spending Rs. 2,000 or more within the first 60 days. Reward Points can be redeemed against gifts from the rewards catalogue or used to pay outstanding card balances. Additionally, cardholders enjoy a 1% fuel surcharge waiver at any petrol pump in India on transactions between Rs. 500 and Rs. 3,000, with a maximum waiver of Rs. 100 per statement cycle. Further value comes through practical features such as Flexipay for converting purchases into EMIs, balance transfer on EMI, utility bill payment, worldwide acceptance at over 24 million outlets, and contactless payment capability via Visa payWave. The annual renewal fee is waived if annual spends reach Rs. 1,00,000, making it a cost-effective choice for consistent everyday spenders.

Expert Review

Our Verdict

Entry-level card with 10x rewards on dining, movies & groceries and fuel surcharge waiver.

Frequently Asked QuestionsAbout SimplySAVE SBI Card

FEESWhat is the joining fee and annual fee for the SimplySAVE SBI Card?
The SimplySAVE SBI Card has a one-time joining fee of ₹499 plus applicable taxes and a renewal fee of ₹499 per annum from the second year onwards. However, the annual renewal fee is waived if your total spends on the card in the previous year are ₹1,00,000 or more. This makes it a cost-effective card for regular spenders who meet the annual spend threshold.
FEESHow can I get the annual fee waived on my SimplySAVE SBI Card?
You can get the annual renewal fee reversed from the second year of your subscription by spending ₹1,00,000 or more on your SimplySAVE SBI Card in the previous year. This spend-based reversal ensures that active cardholders who use the card regularly do not have to pay the ₹499 renewal fee. The joining fee for the first year is not waivable.
REWARDSWhat are the reward points earning rates on the SimplySAVE SBI Card?
The SimplySAVE SBI Card offers 10 Reward Points per ₹150 spent on Dining, Movies, Departmental Stores, and Grocery spends. For all other spends, you earn 1 Reward Point per ₹150 spent. The value of reward points is 4 Reward Points = ₹1. This makes accelerated categories like dining and movies especially rewarding for everyday spenders.
REWARDSWhat is the welcome bonus offer on the SimplySAVE SBI Card?
As a welcome offer, you can earn 2,000 bonus Reward Points by spending ₹2,000 or more within the first 60 days of receiving your SimplySAVE SBI Card. This Extravaganza Offer is a great way to kickstart your rewards earning. Ensure that your cumulative spends reach ₹2,000 within 60 days of card issuance to qualify for these bonus points.
USAGEHow can I redeem my Reward Points on the SimplySAVE SBI Card?
You can redeem your Reward Points in two ways: use them to pay the outstanding balance on your credit card, or redeem them against a wide array of gifts available in the SBI Card Rewards Catalogue. You can browse the Rewards Catalogue on sbicard.com to choose your preferred gifts. Remember, 4 Reward Points are equivalent to ₹1 in redemption value.
BENEFITSDoes the SimplySAVE SBI Card offer a fuel surcharge waiver?
Yes, the SimplySAVE SBI Card offers a 1% fuel surcharge waiver at any petrol pump across India. To avail this benefit, you need to transact an amount between ₹500 and ₹3,000 at any petrol pump in India. The maximum surcharge waiver is capped at ₹100 per statement cycle. This benefit is applicable at all petrol pumps across India.
FEESWhat is the add-on card fee for the SimplySAVE SBI Card?
There is no add-on card fee for the SimplySAVE SBI Card — it is completely free. You can empower your family members, including parents, spouse, children, or siblings above the age of 18, with add-on cards at no additional cost. This allows your family members to enjoy the same privileges and benefits of the SimplySAVE SBI Card without any extra charges.
INTERNATIONALCan I use the SimplySAVE SBI Card for international transactions?
Yes, the SimplySAVE SBI Card is powered by the Visa network and is accepted at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can use it at any outlet that accepts Visa cards internationally. You can also withdraw cash from over 1 million Visa ATMs worldwide. Please note that forex markup charges may apply on international transactions.
USAGEWhat is the contactless payment feature on the SimplySAVE SBI Card?
The SimplySAVE SBI Card supports contactless payments via Visa payWave technology. You can simply wave your card at a secure contactless reader to complete a transaction — no need to hand over your card or search for cash. The card never leaves your hand during the transaction, reducing the risk of fraud and skimming. The unique security key feature ensures only one transaction goes through even if the card is waved multiple times.
APPLICATIONHow can I apply for the SimplySAVE SBI Card?
You can apply for the SimplySAVE SBI Card online by visiting the official SBI Card website at sbicard.com and clicking on 'Apply Now' on the SimplySAVE SBI Card page. You can also track your application status after submission using the 'Track my Application' feature on the website. For assistance during the application process, you can contact the SBI Card helpline at 39 02 02 02 (with local STD code prefix) or 1860 180 1290.
BENEFITSWhat is the Flexipay feature on the SimplySAVE SBI Card?
Flexipay allows you to convert any transaction of ₹2,500 or more made on your SimplySAVE SBI Card into easy monthly installments (EMIs). To use this feature, log in to sbicard.com with your username and password within 30 days of the purchase and opt for Flexipay. This helps you manage large expenses conveniently by spreading them over monthly payments at a defined interest rate.
BENEFITSDoes the SimplySAVE SBI Card offer a Balance Transfer on EMI facility?
Yes, the SimplySAVE SBI Card offers a Balance Transfer on EMI facility. You can transfer the outstanding balance from other banks' credit cards to your SimplySAVE SBI Card and repay at a lower rate of interest in easy EMIs. To avail this service, log on to sbicard.com with your user ID and password. This is a great way to save on high interest charges from other credit cards.
USAGECan I pay utility bills using the SimplySAVE SBI Card?
Yes, the SimplySAVE SBI Card provides a Utility Bill Payment facility through the Easy Bill Pay feature. You can conveniently pay your electricity, telephone, mobile, and other utility bills using this facility. This adds to the everyday usability of the card and also helps you earn Reward Points on your utility bill payments. Visit sbicard.com for more details on how to use the Easy Bill Pay facility.
REWARDSWhat categories earn accelerated 10x reward points on the SimplySAVE SBI Card?
The SimplySAVE SBI Card offers 10x accelerated Reward Points on four key spending categories: Dining, Movies, Departmental Stores, and Grocery spends. You earn 10 Reward Points per ₹150 spent in these categories, compared to 1 Reward Point per ₹150 on all other spends. This makes the card particularly beneficial for individuals who frequently spend on food, entertainment, and daily household shopping.
OTHERHow do I contact SBI Card customer support for SimplySAVE SBI Card queries?
You can reach SBI Card customer support through the following helpline numbers: Dial 39 02 02 02 (prefix your local STD code) or call 1860 180 1290. You can also visit sbicard.com to access online services, manage your account, or raise queries. Additionally, you can send an SMS to 5676791 from your registered mobile number using the Simply SMS service for instant information about your card.

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