SBI credit card
SBI SimplySAVE Credit Card
Top choice for high offline spending in groceries, movies, and dining
Credofly overview
Is SBI SimplySAVE Credit Card right for you?
₹499 fee card that rewards essential spends like groceries and movies. Offline-first alternative to SimplyCLICK.
Earn 10X points on essential offline categories like groceries, movies, dining, and department store spends.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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10X reward points per ₹100 on Dining, Movies, Departmental Stores, and Grocery purchases (offline only)
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1 reward point per ₹100 on all other spends
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1 Reward Point = ₹0.25 (redeemable for gift vouchers)
How you can redeem
Reward points redeemable for vouchers (Amazon, Flipkart, BigBasket, etc.) via SBI Rewards platform.
1 RP = ₹0.25
EMI Transactions, Wallet, Rent, Education, Fuel, and Government Spends
<p>No rewards on fuel, wallets, rent, or EMI. Bonus rewards apply only to offline POS spends.</p>Beyond rewards
Benefits that matter
Welcome offer
₹100 cashback on first spend of ₹500 within 30 days
Milestone benefits
Spend ₹1,00,000 annually to get renewal fee waiver
Renewal benefits
Annual fee waived on ₹1L spend
Card benefits
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10X rewards on everyday categories
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Simple reward structure (offline focused)
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Easy milestone-based annual fee waiver
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Fast online application via SBI portal
Our independent take
Credofly review
If you want a no-fuss card that gives points for your day-to-day local spends — this is it. Clean benefits, solid offline categories, and easy to earn rewards without tracking offers.
👍 Great for grocery/dining/movie spenders
👎 Skip if you spend mostly online
Why we like it
A rare card rewarding essential offline purchases. Ideal for users who shop locally or aren’t heavy on online payments.
Strengths
- <p>10X reward points on key offline categories</p>
- <p>₹499 annual fee waived on ₹1L spend</p>
- <p>Easy to understand, simple to use</p>
Watch-outs
- <p>No 10X rewards for online spends</p>
- <p><code data-start="4419" data-end="4430"></code>Rewards capped by category scope</p>
- <p>No lounge, travel, or partner brand benefits</p>
Before you apply
Eligibility & application
Eligibility
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Age: 21–60
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Income: ₹18,000+/month
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CIBIL Score: 700+ preferred
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Nationality: Indian resident
How to apply
Apply online in just 2 minutes:
👉 Click here to apply for SBI SimplySAVE Credit Card
Submit your PAN, Aadhaar, and income details. If eligible, you’ll get instant approval. Card delivered within 5–7 working days.
Your questions answered
FAQs
Which spends give 10X rewards?
Offline spends at grocery stores, dining outlets, movie theatres, and departmental stores.
Can I redeem points for cash?
No. You can only redeem for vouchers via the SBI Rewards portal.
Is online spend included for 10X rewards?
No, 10X applies only to offline POS purchases in eligible categories.
Is this card better than SimplyCLICK?
It’s better for offline users. SimplyCLICK is better for online shoppers.
What is the joining benefit?
₹100 cashback on first spend of ₹500 within 30 days.
From cardholders
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