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SBI Card
RuPay
SimplySAVE UPI

SBI Card SimplySAVE UPI

SBI SimplySAVE entry-level card on RuPay, enabling UPI app linking; earns 10 points per ₹150 on dining, movies, groceries and departmental stores, with ₹499 annual fee waived at ₹1 lakh yearly spend.

dininggroceriesfirst-timersrupay-upi

Also available on Visa

SBI Card SimplySAVE UPI is issued on more than one network — each has different rewards and lounge access.

  • SBI Card
    VISA
    SimplySAVE

    Visa variant

    SBI also issues SimplySAVE on RuPay, with UPI-app linking as the main added benefit. Fees and reward structure match this Visa edition; the RuPay variant is primarily obtained via SBI branch application rather than the standard online flow.

Last reviewed 25 July 2026

Fees

Joining fee

₹499

Annual fee

₹499

Waiver: Renewal fee (from year 2 onward) is reversed if you spend ₹1,00,000 or more on the card in the preceding year

Eligibility

Min. monthly income: ₹20,000

Age: 18–65 yrs

Employment: salaried, self employed

Rewards

dining6.67x points(cap 2,500 points/1mo)
groceries6.67x points(cap 2,500 points/1mo)
all other1x points

Welcome benefits

  • • 2,000 bonus Reward Points (worth ≈₹500 at SBI's standard ₹0.25/point redemption value) on spending ₹2,000 or more within 60 days of card issuance

Perks

  • ✓Fuel surcharge waiver: 1%Capped at ₹100/month
  • ✓Forex markup: 3.5%
  • ✓10 Reward Points per ₹150 spent on dining, movies, departmental stores, and grocery store purchases, capped at 5,000 bonus Reward Points per month combined across those four categories
  • ✓1 Reward Point per ₹100 spent on all other retail purchases; fuel, cash withdrawals/advances, balance transfers, and wallet loads do not earn points
  • ✓RuPay network lets the card be linked to UPI apps (Google Pay, PhonePe, Paytm, BHIM) for QR-code payments, unlike the Visa SimplySAVE variant
  • ✓Fuel surcharge waiver of 1% (up to ₹100/month) applies only to transactions between ₹500 and ₹3,000
  • ✓No complimentary domestic or international airport lounge access

Common questions

What is the annual fee on the SBI Card SimplySAVE UPI?
The joining fee is ₹499. The annual fee is ₹499. Renewal fee (from year 2 onward) is reversed if you spend ₹1,00,000 or more on the card in the preceding year
What are the reward rates on the SBI Card SimplySAVE UPI?
SBI Card SimplySAVE UPI earns 6.67x points on dining, 6.67x points on groceries, 1x points on all other spends.
Does the SBI Card SimplySAVE UPI offer airport lounge access?
No, the SBI Card SimplySAVE UPI does not include complimentary airport lounge access.
Who is eligible for the SBI Card SimplySAVE UPI?
Applicants typically need a minimum monthly income of ₹20,000, a minimum age of 18, and must be salaried or self employed. Exact criteria are set by SBI Card and can vary by application.
Is the SBI Card SimplySAVE UPI available on other networks?
Yes, it's also issued on Visa. SBI also issues SimplySAVE on RuPay, with UPI-app linking as the main added benefit. Fees and reward structure match this Visa edition; the RuPay variant is primarily obtained via SBI branch application rather than the standard online flow.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
6.67x points· cap 2,500 points/1mo
₹
6.67x points· cap 2,500 points/1mo
₹
1x points
Estimated annual value—
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