SBI SimplySAVE Credit Card Review (2026)

Quick verdict: The SBI SimplySAVE Credit Card is best for everyday offline spends. It earns 10X on dining, groceries, movies, with an annual fee of Rs 499 (waiver on Rs 1L spend). Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The SBI SimplySAVE is the offline counterpart to the SimplyCLICK — an entry-level card that rewards everyday physical-store spends like dining, groceries, movies and departmental stores.

It is an easy first card with a low fee that is simple to waive, though the reward value per point is modest.

Fees & Charges

Rewards & Benefits

• 10 reward points per Rs 150 on dining, groceries, movies and departmental store spends (about a 1.7% return).
• 1 reward point per Rs 150 on all other spends.
• Welcome bonus of 2,000 reward points on spending Rs 2,000 within 60 days.
• 1% fuel surcharge waiver on transactions between Rs 500 and Rs 3,000 (max Rs 100 per cycle).
• Complimentary add-on cards and the option to convert large spends to EMI.

Pros & Cons

Who Should Get This Card?

• People who spend mostly in stores on groceries and dining
• First-time card users wanting a simple rewards card
• Anyone who can hit Rs 1 lakh to waive the fee

Frequently Asked Questions

How to Get the Most from the SBI SimplySAVE Credit Card

• Use it where it is strongest — everyday offline spends — where it earns 10X on dining, groceries, movies; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Rs 499 (waiver on Rs 1L spend)) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on SBI Card and the card variant, but for the SBI SimplySAVE Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing SBI Card customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 10X on dining, groceries, movies. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

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Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

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