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.

✔️ 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)

✔️ 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 

✔️ 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

Q1. What is the main benefit of SBI SimplySAVE Credit Card?
Ans. It offers 10X reward points on daily spending categories like groceries, dining, and movies.

Q2. Is there any annual fee waiver?
Ans. Yes, annual fee is waived on ₹1 lakh yearly spend.

Q3. What is the reward rate?
Ans. You earn 10 reward points per ₹150 on select categories and 1 point on others.

Q4. Does it provide fuel surcharge waiver?
Ans. Yes, 1% surcharge waiver is available on eligible fuel transactions.

Q5. Who should apply for this card?
Ans. People who spend regularly on groceries, dining, and daily expenses.