SBI SimplySAVE Credit Card
An entry-level everyday rewards card that gives you 10X points on dining, groceries, movies and department store spends. Low fee, easy eligibility, and the bonus categories cover real day-to-day expenses.
Why it ranks
- Low fee that is easy to waive
- Strong rewards on common everyday categories
- Quick welcome bonus for new users
- Good first card to build credit history
What holds it back
- No airport lounge access
- Base earn rate outside bonus categories is poor
- High forex markup limits travel use
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
An entry-level everyday rewards card that gives you 10X points on dining, groceries, movies and department store spends. Low fee, easy eligibility, and the bonus categories cover real day-to-day expenses.
SBI SimplySAVE Credit Card at a glance
| Issuer | SBI Card |
| Card network | Mastercard |
| Annual fee | ₹499 |
| Welcome bonus | 2,000 bonus Reward Points on spending Rs.2,000 in 60 days |
| Rewards rate | Around 2.5% on bonus categories, 0.25% base |
| Intro APR | N/A |
| Regular APR | 3.75% a month (45% a year), per SBI Card's key fact statement |
| Foreign transaction fee | 3.5% markup on foreign currency transactions |
| Credit needed | Fair to Good |
| Best for | Everyday spenders who want simple rewards on essentials |
| Airport lounge access | No |
Rewards & benefits
- 10 Reward Points per Rs.150 on dining, movies, groceries and department stores
- 1 Reward Point per Rs.150 on all other spends
- 2,000 bonus points on Rs.2,000 spend within 60 days of issuance
- Reward Points redeemable against statement balance and catalogue
- Annual fee reversed on spending Rs.1 lakh in a year
Eligibility & who it suits
- Indian resident aged 21 to 60
- CIBIL score of 700 or above recommended
- Salaried or self-employed with regular income
- Valid PAN and KYC documents
How to apply
Check current rates on SBI Card’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSBI CardSBI SimplySAVE₹499/yr · IN SBI SimplySAVE Credit CardEveryday spenders who want simple rewards on essentials |
₹499/yr | Around 2.5% on bonus categories, 0.25% base | 2,000 bonus Reward Points on spending Rs.2,000 in 60 days | 3.5% markup on foreign cur… | Fair to Good | |
| 2 | AEAmerican ExpressMembership Rewards₹4,500/yr · IN American Express Membership Rewards Credit CardDisciplined spenders who hit monthly milestones for bonus points |
₹4,500/yr | Around 1 point per Rs.50, boosted by milestones | 4,000 Membership Rewards points on spending Rs.15,000 in 90… | 3.5% markup on foreign cur… | Good to Excellent | |
| 3 | AAxis BankPrivilegeNo annual fee · IN Axis Bank Privilege Credit CardMid-level spenders who want EDGE points, a milestone bonus and domestic lounges |
None | 10 EDGE REWARD points per ₹200 spent in India or abroad; 10,000 bonus points (wo… | 12,500 EDGE REWARD points (worth ₹2,500) only when a joining… | 3.5% of the transaction va… | Age 18 to 70, Indian resident; i… | |
| 4 | IICICI BankCoral₹500/yr · IN ICICI Bank Coral Credit CardNew cardholders wanting dining, movie and starter lounge perks |
₹500/yr | Around 0.5% base, higher with offers | Activation benefits and offers (varies by channel) | 3.5% markup on foreign cur… | Fair to Good |
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