SBI Card SimplySAVE SBI Card credit card
SBI CardVisaEntry-level

SimplySAVE SBI Card credit card

10X points on dining, movies, grocery and department stores for a ₹499 fee.

36
Personal score36/100● Weak fit
Recurring net savings₹3,105/yrafter fee, GST and caps · bills paid in full
First-year value₹3,016incl. ₹500 welcome, ₹589 joining fee
Effective savings rate1.0%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹589waiver at ₹1,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: SBI Card – SimplySAVE SBI Card product page · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹2,376/yr10 RP/₹100 on dining, movies, grocery,…
Waived₹589 fee
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹3,105/yr · 1.0%
10 RP/₹100 on dining, movies, grocery,…on ₹95,040₹2,376
Base rate 0.25% on other spendson ₹1,47,600₹369
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹3,105/yr is calculated
SimplySAVE SBI Card
+ Reward value on your spendat ₹0.25/SBI Reward Points realistic value
₹2,745
+ Fuel surcharge waiver1% up to ₹100/month
₹360
+ Annual fee incl. 18% GSTwaived – ₹589 at ₹1,00,000 spend
₹0
= Recurring net savings
₹3,105/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
1.0%

How the score of 36 is built

weights total 100% · methodology
Net savings rate19/100 × 55%10.6
Usable lounge access0/100 × 15%0.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity80/100 × 5%4.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. Policy changeSBI Card

    SBI Card reward points: statement-credit redemption in blocks of 4,000, max 60,000 a month

    Reward points on SBI cards can be redeemed as statement credit only in multiples of 4,000 points and up to 60,000 points per card per calendar month. Small balances therefore sit unredeemed for longer; the realistic point value CardLens uses is unchanged.

    Cards: SimplyCLICK SBI Card, SimplySAVE SBI Card, SBI Card PRIME, SBI Card ELITE, SBI Card PULSE, SBI Card MILES ELITE, Air India SBI Signature, AURUM +4 more · Source: SaveSage – Credit card devaluations in 2026 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.25%value on eligible spend
⚡ Accelerated2.5% 10 RP/₹100 on dining,…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹589/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹499
🎁 Welcome (year 1)≈ ₹5002,000 RP on ₹2,000 spend in 60 days
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/SBI Reward Points ★★★☆☆1 RP = ₹0.25.
🧩 Simplicity★★★★☆set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • 2.5% on everyday offline categories
  • Very easy approval
  • Fee waived at ₹1L
  • 0.25% elsewhere
  • No lounge
  • Vouchers only

Compare SimplySAVE SBI Card with

Community Q&A on the SimplySAVE SBI Card

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the SimplySAVE SBI Card?

Joining fee ₹499 and renewal fee ₹499, plus 18% GST (₹589 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the SimplySAVE SBI Card give airport lounge access?

No lounge access. None.

How much can I save with the SimplySAVE SBI Card?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹3,105 a year, an effective savings rate of 1.0% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the SimplySAVE SBI Card's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: SimplySAVE SBI Card lounge access by airport · all SBI Card cards · change log.