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SBI SimplySAVE Credit Card
An entry-level everyday card that pays 10 reward points per Rs.150 (about 2.5% value) on dining, groceries, movies and department stores, with a thin 0.25% base elsewhere, at a Rs.499 fee. The welcome deal is easy to grab, 2,000 bonus points for spending Rs.2,000 in 60 days, which is a quick early win. It's a categories-only card, so spending outside those buckets barely earns and a flat-cashback card would beat it there. Put Rs.8,000/month through groceries and dining and you'll bank roughly 530 points monthly. The 3.5% foreign markup and roughly 42% APR keep it off the travel and revolving-balance list. Confirm current categories with SBI Card.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓10 Reward Points for each Rs.150 on dining, movies, groceries and department stores
- ✓1 Reward Point for each Rs.150 on every other spend
- ✓2,000 bonus points for Rs.2,000 of spending within 60 days of issuance
- ✓Reward Points can be applied to your statement balance and the catalogue
- ✓Annual fee reversed once you spend Rs.1 lakh in a year
👍 Pros
- + A low fee that is simple to waive
- + Strong rewards on routine everyday categories
- + A fast welcome bonus for new users
- + A sound first card for building credit history
👎 Cons
- – Offers no airport lounge access
- – The base earn rate away from bonus categories is poor
- – A high forex markup curbs its travel use
Can you get it?
- ▸Indian resident aged 21 to 60
- ▸A CIBIL score of 700 or above is advisable
- ▸Salaried or self-employed with a regular income
- ▸A valid PAN along with KYC documents
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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