SimplySAVE SBI Card
An entry points card: 10 points per ₹150 on dining, movies, departmental stores and groceries (up to 5,000 points a month), 1 point per ₹150 elsewhere; 4 points = ₹1 against the bill. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹499 plus GST Product page |
|---|---|
| Annual fee | ₹499 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining, movies, departmental stores and groceries | 10 points per ₹150 Terms | up to 5,000 points a month Terms |
| All other eligible spends | 1 point per ₹150 Terms | no cap on record |
Points pay the card bill at 4 points = ₹1, with a ₹99 redemption fee; from 1 Apr 2026 statement-credit redemptions go in multiples of 4,000 points, up to 60,000 points a month. Digital gaming spends earn nothing. Points expire after 24 months.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹100 a statement cycle Product page
- Welcome: 2,000 bonus points worth ₹500 on ₹2,000 of spend in the first 60 days (fee-paying cards) Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 10 points per ₹150 at movie theatres (within the 5,000-point monthly cap) Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a reward rate on UPI spends
Where SBI Card’s documents differ, and what is used
- UPI: the product page tags the card for UPI payments and the terms booklet names a RuPay variant; the MITC also lists a separate "SimplySAVE UPI SBI Card" with the same fees.
- Fuel surcharge cap: the product page says ₹100 per statement cycle; the terms booklet says ₹100 per month. The statement cycle is used.
The quotes behind the figures
36 figures, each copied from an official SBI Card document.
Show every quote and source
“Annual Fee: Rs. 499 + taxes”
“Renewal Fee (per annum): Rs. 499 + taxes from second year onwards”
“For the cardholders having state of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Renewal Fee is reversed if annual spends for last year >= Rs. 1,00,000.”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“4 Reward Points = Re. 1”
“Earn 10 Reward Points for every Rs.150 spent on Dining, Movies, Groceries & Departmental stores and 1 Reward Point for every Rs. 150 spent on all other categories.”
“Cumulative 10X Reward Points accrued on Dining, Movies, Departmental Store & Grocery spends for your SimplySAVE SBI Card will have a maximum cap of 5,000 Reward Points per month.”
“Earn 10X Reward Points per Rs. 150 spent on dining, movies, departmental stores and grocery”
“Departmental Stores & Groceries i. Departmental Stores: 5311 ii. Grocery Stores & Supermarkets: 5411”
“After the cap limit of 5,000 Reward points is achieved, 1 Reward Point for every Rs.150 spent, as per the card policy, will continue to accrue.”
“1 Reward Point per Rs. 150 spent on all other spends”
“Cash Advance, Balance Transfer, Encash, Flexipay and Fuel Transactions are not included in the Reward Point program (Fuel MCCs Excluded: 5172, 5541, 5542, 5983).”
“Accrual of Reward Points on Rent Payment transactions with SimplySAVE SBI Card has been discontinued.”
“Accrual of Reward Points on Govt Related transactions with SimplySAVE SBI Card has been discontinued.”
“"isOnline" : "yes", "isVisibleOnWebsite" : "yes",”
“SBI SimplySAVE Credit Card - Benefits and Features - Apply Now | SBI Card”
“"filterBenefits" : "upi-payments"”
“SimplySAVE SBI Card 499 499 (Waived off on annual spends of 1 Lakh or more in the preceding year)”
“Eligible spends incurred on the Credit Card within the last 365 days from the Annual Card Fee billing date shall be considered for the spend-based reversal of the Annual Card fees.”
“Pay your outstanding card bill using reward points”
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
“W.e.f. 1 Apr'26, redemption of Reward Points for Statement Credit will be capped at 60,000 Points per month.”
“W.e.f. 1 Apr '26, redemption of Reward Points for Statement Credit can be made only in multiples of 4,000 Points.”
“Accrual of Reward Points on spends done on Digital Gaming Platforms/Merchants with SimplySAVE SBI Card has been discontinued.”
“Spend Rs. 2,000 or more in first 60 days and get 2,000 Bonus Reward Points”
“This offer is valid only for SimplySAVE SBI Card with year 1 Annual Fee of Rs.499.”
“Maximum Fuel Surcharge waiver of Rs.100 per month for transactions between Rs.500 & Rs.3000 (exclusive of all applicable taxes).”
“Rewards Redemption Fee: Rs.99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM.”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 3,000 at all petrol pumps across India.”
“Maximum waiver of Rs. 100 per statement cycle, per credit card account.”
“2,000 Bonus Reward Points worth Rs. 500 ”
“10X Reward Points on Movies”
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“"ctaText" : "APPLY NOW", "ctaView" : "primary",”
“Just look for the VISA/Mastercard/RuPay sign of acceptance and present your card for payment.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology