SimplySAVE SBI Card
SBI Card · Visa · Entry card
The everyday-offline counterpart to SimplyCLICK: useful if most of your spend happens in physical stores and restaurants rather than online.
First-time cardholders whose spending leans offline: dining, grocery and department stores.
Terms checked 13 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 0.2%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Dining & delivery | 1.7% |
| Entertainment & movies | 1.7% |
| Groceries & essentials | 1.7% |
| Offline store shopping | 1.7% |
| Online shopping | 0.2% |
| Bills & utilities | 0.2% |
| Travel & hotels | 0.2% |
| Subscriptions & streaming | 0.2% |
| Beauty & wellness | 0.2% |
| International spending | 0.2% |
| Insurance premiums | 0.2% |
| Education & family | 0.2% |
| Healthcare & pharmacy | 0.2% |
| Other miscellaneous | 0.2% |
| Gold & jewellery | 0.2% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Accelerated everyday rewards
Usage-based value10 points per ₹150 applies across eligible dining, cinema, grocery and department-store MCCs until 5,000 cumulative monthly points; base earn continues afterward.
Other eligible rewards
Usage-based value1 reward point per ₹150 applies to other eligible retail purchases.
10 reward points per ₹150 on eligible dining, movies, groceries and department-store spend
Shown without a cash value1 reward point per ₹150 on other eligible spend and after the accelerated monthly cap
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
Welcome benefits · 1 item
2,000 welcome Reward Points
Recorded value ₹500Welcome points worth ₹500 at the published four-points-per-rupee value.
Conditions: Spend ₹2,000 on eligible purchases within 60 days of receiving the card · Available on qualifying new cards with the ₹499 first-year fee
Fuel benefits · 2 items
1% fuel surcharge waiver on eligible ₹500-₹3,000 transactions, capped at ₹100 per statement cycle
Shown without a cash value₹1 lakh annual-spend renewal-fee waiver and capped fuel surcharge waiver
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed SBI Card materials do not publish one universal numeric income threshold.
Other categories (11)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 10 reward points per ₹150 on eligible dining, movies, groceries and department-store spend
- ✓ 1 reward point per ₹150 on other eligible spend and after the accelerated monthly cap
- ✓ 2,000 welcome points worth ₹500 after ₹2,000 eligible spend within 60 days
- ✓ ₹1 lakh annual-spend renewal-fee waiver and capped fuel surcharge waiver
What to watch
Base rate outside the accelerated categories is low (0.25%); this card is only worth it if you genuinely spend in the boosted categories.
Recorded exclusions
Fuel Commute · Rent · Government payments · Wallet load · Cash withdrawal · Balance transfer · Encash · Flexipay
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026