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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

SBI SimplySave

SBI SimplySAVE Credit Card is an entry-level cashback/reward credit card designed for everyday spending such as groceries, dining, movies, and departmental stores. It offers accelerated reward points on daily expenses, making it a good choice for regular users.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI (as per bank policy)
Age: 21 to 70 years
Salaried or self-employed individual
Stable income source
Good CIBIL score (750+ preferred)

Features & Benefits

Earn 10X Reward Points on dining, grocery, movies & departmental stores
Earn 1 Reward Point per ₹150 on other spends
Welcome benefit: 2,000 bonus reward points on ₹2,000 spend in first 60 days
1% fuel surcharge waiver on ₹500 – ₹3,000 transactions
Reward Points redeemable against gifts, vouchers or statement balance
Annual fee waiver on ₹1 lakh yearly spend
Contactless card for quick payments
EMI conversion available on transactions above ₹2,500

Fees & Charges

Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST*
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST (waived on ₹1 lakh spend)
Interest Rate: Up to 3.75% per month (~45% p.a.)
Cash Advance Fee: 2.5% (min ₹500)
Fuel Surcharge Waiver: 1% (₹500–₹3,000 transactions)
Late Payment Charges: As per SBI Card policy 

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / Voter ID / DL etc.)
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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It offers 10X reward points on daily spending categories like groceries, dining, and movies.

Yes, annual fee is waived on ₹1 lakh yearly spend.

You earn 10 reward points per ₹150 on select categories and 1 point on others.

Yes, 1% surcharge waiver is available on eligible fuel transactions.

People who spend regularly on groceries, dining, and daily expenses.

Terms & Conditions

Reward points are subject to category exclusions and caps
Fuel surcharge waiver has transaction limits
Approval is subject to SBI Card credit policy
Fees and benefits may change as per bank guidelines
Late payments may attract penalties and impact credit score

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Card At A Glance
Joining Fee ₹499 + GST
Annual Fee ₹499 + GST*
Rewards Earn 10X Reward Points on dining, grocery, movies & departmental stores
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type SBI CARD