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SBI Card
VISA
SimplySAVE

SBI Card SimplySAVE

Entry-level SBI rewards card earning 10 points per ₹150 on dining, movies, groceries and departmental stores; ₹499 annual fee waived on ₹1 lakh yearly spend.

dininggroceriesfirst-timers

Last reviewed 17 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

Age: 21–70 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
  • ✓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?
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?
SBI Card SimplySAVE earns 6.67x points on dining, 6.67x points on groceries, 1x points on all other spends.
Does the SBI Card SimplySAVE offer airport lounge access?
No, the SBI Card SimplySAVE does not include complimentary airport lounge access.
Who is eligible for the SBI Card SimplySAVE?
Applicants typically need a minimum age of 21, and must be salaried or self employed. Exact criteria are set by SBI Card and can vary by application.

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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