This is the same product on a different payment network. Everything on this page applies to both rails — the differences are below. Pick the rail you want; you apply for it directly with the bank.
Same 10X on dining/grocery/movies and ₹499 fee, on RuPay - so it can be linked to UPI apps.
In-depth review
SBI SimplySAVE Credit Card
The offline counterpart to the SimplyCLICK — 10X reward points on dining, movies, groceries and departmental stores, a welcome bonus worth most of the fee, and a ₹499 charge that waives at ₹1 lakh. It pays you for spending you were doing anyway. The standing SBI caveat: a modest point value (~₹0.25, portal redemption) pulls the real return to ~1.7% on the bonus categories.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback in year one — conditional on ₹2,000 of spend within 60 days of card set-up
1.67% on Dining
10 reward points per ₹150 (~1.7% at ₹0.25/point) on dining and movies. SBI caps the 10X rate at 5,000 points a month CUMULATIVELY across dining, movies, departmental stores and grocery, then pays 1 point per ₹150
1.67% on Groceries
10 reward points per ₹150 (~1.7%) on groceries and departmental stores, sharing the 5,000-point monthly cap with dining and movies
Annual Fee Waiver
Fee of ₹499 + 18% GST (₹589 all-in)/yr fully waived when you spend ₹1,00,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
For everyday offline spenders on dining, groceries, movies and departmental stores who want a low-fee card that pays back the fee. Pair it with an online card for e-commerce.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 1.67%6.68 pts/₹100 × ₹0.25 | ₹1,250one cap shared with Groceries |
| Groceries | reward points | 1.67%6.68 pts/₹100 × ₹0.25 | ₹1,250one cap shared with Dining |
| Other | reward points | 0.17%0.68 pts/₹100 × ₹0.25 | — |
Dining: 10 reward points per ₹150 (~1.7% at ₹0.25/point) on dining and movies. SBI caps the 10X rate at 5,000 points a month CUMULATIVELY across dining, movies, departmental stores and grocery, then pays 1 point per ₹150
Groceries: 10 reward points per ₹150 (~1.7%) on groceries and departmental stores, sharing the 5,000-point monthly cap with dining and movies
Other: 1 reward point per ₹150 (~0.17%) on other spends
Earns nothing on: Fuel · Rent · Online Gaming · Government & Tax · Cash Advances · EMI Conversions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹589 |
| Joining fee (incl. 18% GST) | ₹589 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹100 |
Perks & benefits
Estimated annual value beyond rewards — ~₹600/yr in total.
1% fuel surcharge waiver (up to ₹100/month)
Should you get it?
- Best for: First-time card users, Low to moderate spenders
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Dining (1.67% back).
Pros & cons
✓ Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
✕ Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
A modest ~₹0.25 point value pulls the bonus-category return to ~1.7% and other spends to ~0.17% — fine as an everyday offline card, not a high earner.
Frequently asked questions
What earns 10X reward points?
What is 1 reward point worth?
What is the annual fee waiver?
Does it earn on utility bills?
Is there lounge access?
How has the SBI SimplySAVE Credit Card changed over time?
Has the SBI SimplySAVE Credit Card been devalued recently?
How did the SBI SimplySAVE Credit Card change in 2024?
The bottom line
SimplySAVE pays you for spending you were doing anyway — 10X on dining, groceries, movies and departmental stores, a welcome bonus worth most of the ₹499 fee, and a low ₹1 lakh waiver. Just price the bonus categories at ~1.7% (not the ~2.5% sometimes quoted — that is SimplyCLICK's rate), and pair it with an online card for e-commerce.
How this page was built
Counted from this card’s own record: 3 earn rules, 2 of them capped, the spends listed as earning nothing and 1 recorded perk. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the SBI SimplySAVE Credit Card are taken from SBI Card's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Compare head-to-head
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Read more
Guides and reviews related to this card.
SBI SimplySAVE Credit Card
The offline counterpart to the SimplyCLICK — 10X reward points on dining, movies, groceries and departmental stores, a welcome bonus worth most of the fee, and a ₹499 charge that waives at ₹1 lakh. It pays you for spending you were doing anyway. The standing SBI caveat: a modest point value (~₹0.25, portal redemption) pulls the real return to ~1.7% on the bonus categories.
SBI Card Unnati
An FD-backed starter card that is free for its first 4 years, aimed at people building a credit history. Rewards are bare-minimum — 1 point per Rs.100 (~0.25%) plus Rs.500 cashback at Rs.50,000 spend — so hold it to establish credit, not to earn. Remember it is not lifetime free; the fee starts in year 5.
SBI SimplyCLICK Credit Card
The entry-level online shopping card done right — 10X on a set of online partner brands (Apollo 24x7, BookMyShow, Cleartrip, Gyftr, Myntra, Tata CLiQ and more), 5X on all other online spend, plus twice-yearly Cleartrip/Yatra vouchers worth ₹2,000 each at ₹1 lakh and ₹2 lakh of online spend that return several times the ₹499 fee. Note Amazon was dropped from the 10X partner list — it now earns the ordinary 5X online rate (a ₹500 Amazon welcome voucher remains). Still one of the better budget online cards; upgrade to SBI Cashback once your online spend grows.
Landmark Rewards SBI Card
The ₹499 entry rung of SBI's Landmark ladder: 10 Reward Points per ₹100 (~2.5%) at Lifestyle, Home Centre, Max and Spar, a ₹500 welcome that covers most of the ₹589 all-in fee, and up to ₹2,000 in milestone points. A cheap, honest loyalty card if you shop the Landmark Group — but points are worth ₹0.25 and only really redeem in those stores.
Apollo SBI Card
The Rs. 499 entry health card: 3X Reward Points (~3%) plus up to 10% instant discount on Apollo services, 2X on dining and entertainment, and a OneApollo Gold membership. Points redeem as Apollo Health Credits with instant POS redemption. A cheap, honest pick — but only if Apollo Pharmacy is part of your routine.
Reliance SBI Card
A ₹499 entry co-brand for Reliance shoppers: 10 Reward Points per ₹100 (~2.5%) on AJIO and JioMart, up to ₹2,250 in annual Reliance vouchers, and a fee that reverses at ₹1 lakh. A sensible low-cost pick if you already shop at Reliance — but points are worth just ₹0.25 and redeem only into Reliance vouchers.
Shaurya Select SBI Card
The step-up defence card: a first-year-free Rs.1,499 card for armed-forces members that adds 4 domestic lounge visits, concierge and milestone vouchers up to Rs.7,000 on top of 2.5% on CSD canteen, dining, movies, grocery and departmental stores (0.5% elsewhere). Good if you spend enough to waive the fee at Rs.1.5 lakh. Its 5X is twice the entry Shaurya's, whatever the shared marketing suggests.
Shaurya SBI Card
A defence-personnel card with an unusually low Rs.250 fee, 5X points on everyday categories including CSD canteen spends, and a 1,000-point welcome worth most of the fee. It is a genuinely good-value entry card for armed-forces members — provided you know points are worth only Re.0.25 each.
RBL Bank ShopRite Credit Card
One of India's better dedicated grocery cards — 5% back on supermarket spend for a ₹500 fee waived at ₹1.5 lakh, a real and recurring saving for the offline-first family. The catch before you apply: the 5% is capped at 1,000 reward points a month (₹5,000 of grocery spend), not uncapped. Within that cap, it's genuinely good. Beyond it, it drops to the base rate — and fuel, utilities, insurance, rent, wallets, education, government services and EMI earn nothing at all.
SBI Card PULSE
A genuinely empty niche, filled — one of the very few Indian cards built around health and fitness spending, paying 10X on pharmacy, dining, movies and sports, and bundling a Noise smartwatch SBI lists at ₹7,999, FITPASS PRO and Netmeds First, a bundle that more than covers the ₹1,769 all-in fee if you'd use it. For the Cult.fit-and-Netmeds demographic the math works cleanly. Outside the health categories it's an ordinary 0.5% card, and the bundled cover is travel and fraud protection, not health insurance.
Apollo SBI Card SELECT
A health-focused co-brand that pays 10 Reward Points per Rs. 100 (~10%) at Apollo 24|7 and Apollo Pharmacy, plus up to 25% Circle value back, a 1-year FITPASS PRO membership, a health check-up and lounge access. But points redeem only as Apollo Health Credits — so it only makes sense if Apollo is genuinely part of your life.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2018 · last change Apr 2026
2026
- ▼ RedemptionEffective 1 Apr 2026
Statement-credit redemption capped and forced into 4,000-point blocks
Any point balance, no monthly ceiling→Max 60,000 points/month, only in multiples of 4,000 (₹1,000)
From 1 April 2026 SBI capped statement-credit redemption at 60,000 reward points a month and allowed it only in multiples of 4,000 points (₹1,000 blocks at ₹0.25/point) across most cards including SimplySAVE (Air India SBI Signature and the two PhonePe cards are exempt). The 60k cap rarely binds a low-spend SimplySAVE holder, but the 4,000-point minimum ends flexible partial redemptions.
Verification: SBI Card ↗ · Confidence: High
2024
- ▼ RewardEffective 1 Dec 2024
Digital gaming spends stop earning
Reward Points earned→No Reward Points on MCC 5816, 7993, 7994
From 1 December 2024 the card stopped accruing Reward Points on spends at Digital Gaming Platforms and Merchants (MCC 5816, 7993, 7994). SBI publishes a card-by-card list naming SimplySAVE SBI Card among roughly 45 affected cards. Recorded 2026-08-27 from that list during the SBI portfolio sweep; it now binds in card-data via an ONLINE_GAMING exclusion.
Verification: SBI Card ↗ · Confidence: High
- ▼ RewardObserved 1 Mar 2024 · Effective 1 Jun 2024
Reward points withdrawn on government transactions
Base reward points earned→No reward points
From 1 June 2024 SBI stopped awarding reward points on Government-related transactions (MCC 9222 fines, 9311 tax payments, 9399 government services and 9402 postal services) on SimplySAVE — one of 47 SBI variants swept into the change, which was notified to cardholders in March 2024.
Verification: SBI Card ↗ · Confidence: High
2018
- ◆ LaunchEffective 2018
SimplySAVE SBI Card launched
SBI's entry rewards card — the offline sibling of the online-focused SimplyCLICK — debuts earning 10 reward points per ₹150 on dining, movies, groceries and departmental stores (1 point per ₹150 elsewhere), a 2,000-point welcome bonus on ₹2,000 spend in 60 days, a 1% fuel-surcharge waiver and a ₹499 fee waived at ₹1 lakh annual spend. The exact launch date is not officially documented; secondary sources cite a 2018 debut.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/sbi-simply-save#value-timeline">SBI SimplySAVE Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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