SBI

SBI Simply Save Credit Card

Apply for SBI SimplySAVE Credit Card and earn 10X reward points on dining, grocery, movies & departmental stores. Get 2,000 welcome points worth ₹500

ShoppingDiningGrocery Shopping
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Issued by

SBI

SBI Simply Save Credit Card image
Joining Fee₹499
Annual Fee₹499
Income₹20000
Credit Score720

Key Highlights

Shopping

Earn 10X Reward Points per ₹150 spent on Dining, Movies, Departmental Stores and Grocery

i.e. 10 reward points per ₹150 on these categories

Earn 10X Reward Points per ₹150 Spent on Dining, Movies, Departmental Stores and Grocery

i.e. 10 reward points per ₹150 on these categories

Shopping

Earn 1 Reward Point for every ₹150 spent

on all other eligible spends

Earn 1 Reward Point for every ₹150 spent

on all other eligible spends

Dining

Earn 10X Reward Points per ₹150 spent on Dining, Movies, Departmental Stores and Grocery

i.e. 10 Reward Points per ₹150 on these categories

Grocery Shopping

Earn 10X Reward Points per ₹150 Spent on Grocery Purchases

i.e. 10 reward points per ₹150 on these categories

Eligibility

Age Criteria21-70

Applicants must be between 21 and 70 years of age at the time of application.

Credit Score720

A minimum credit score of 720+ is recommended for approval.

Salaried Income₹3 LPA

A minimum annual income of ₹3 LPA is required to apply for this card, as per bank eligibility criteria.

Self-employed Income₹4.2 LPA

A minimum annual income of ₹4.2 LPA is required to apply for this card, as per bank eligibility criteria.

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹499

A one-time joining fee of ₹499 is charged at the time of card issuance as per the bank's policy.

Joining Fee Offset2,000 bonus reward points worth ₹500 upon spending ₹2,000 or more within the first 60 days of card issuance
Annual Fee₹499

The annual fee is charged every year and may be waived if you meet the bank's spending conditions.

Annual Fee WaiverThe annual fee is waived if you spend ₹100000 or more in a year on your card, as per bank policy.
Estimated Annual Saving₹4476

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • Statement Credit
  • Gift Vouchers
  • Physical Merchandise
Earning ExclusionsRent payments, Fuel transactions, Insurance payments, EMI transactions (including purchases converted to EMI), Cash withdrawals (cash advances), Jewellery purchases, School and educational services, Government related transactions (including money to wallet), Wallet transactions (loading money to wallet), Fees (including card fees, processing fees, etc.), GST charges, All reversals (reversed transactions), Gambling transactions, Toll payments, Security broker services, Charity and donations, Railway transactions, Utility bill payments, Balance transfer transactions, Financial charges (late fee, dishonored cheque charges, transaction charges, etc.), Payments made using standing instructions (auto debit/recurring payments)
Spend ExclusionsRent payments, Fuel transactions, Insurance payments, EMI transactions (including purchases converted to EMI), Cash withdrawals (cash advances), Jewellery purchases, School and educational services, Government related transactions (including money to wallet), Wallet transactions (loading money to wallet), Fees (including card fees, processing fees, etc.), GST charges, All reversals (reversed transactions), Gambling transactions, Toll payments, Security broker services, Charity and donations, Railway transactions, Utility bill payments, Balance transfer transactions, Financial charges (late fee, dishonored cheque charges, transaction charges, etc.), Payments made using standing instructions (auto debit/recurring payments)

Benefits

All Card Benefits

  • 10X reward points on dining, movies, departmental stores, and grocery
  • 2,000 bonus reward points worth ₹500 as welcome benefit within first 60 days
  • Renewal fee reversed on annual spends of ₹1 lakh

Welcome Benefits

  • 2,000 bonus reward points worth ₹500 upon spending ₹2,000 or more within the first 60 days of card issuance

Movie Ticket Benefits

  • Earn 10 reward points per ₹150 spent on movie ticket purchases, included within the 10X everyday categories cap

Dining Benefits

  • Earn 10 reward points per ₹150 spent on dining transactions, with these points counting toward the monthly 5,000 bonus‑points cap

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000 at all petrol pumps across India
  • Maximum waiver of ₹100 per statement cycle

Bank Offers

  • Earn 10X reward points per ₹150 spent on dining, movies, departmental stores, and grocery
  • Earn 1 reward point for every ₹150 spent on all other eligible spends
  • Renewal fee reversed on annual spends of ₹1 lakh

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

...rewards
Welcome benefit is applicable only on spends within 30 days of card issuance

FAQ

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