SBI SimplySAVE Credit Card
Top choice for high offline spending in groceries, movies, and dining
Network: Mastercard, Visa | Type: Rewards and First | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST
- Waiver: Waived on ₹1,00,000 annual spend
- Foreign Markup: 3.5% + GST
- Fuel Surcharge: 1% waiver (₹500/month cap)
- Redemption Fee: ₹99 + GST
- Late Payment Fee: ₹400–₹1300
- Interest Rate: 3.5% monthly
- Cash Advance: 2.5% or ₹500 min
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.
Rewards & Earnings
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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)
Reward points redeemable for vouchers (Amazon, Flipkart, BigBasket, etc.) via SBI Rewards platform.
1 RP = ₹0.25
Benefits
- Welcome:
₹100 cashback on first spend of ₹500 within 30 days
- Milestone:
Spend ₹1,00,000 annually to get renewal fee waiver
- Renewal:
Annual fee waived on ₹1L spend
- Lifestyle:
Why We Like It
A rare card rewarding essential offline purchases. Ideal for users who shop locally or aren’t heavy on online payments.
Pros & Cons
✅ Pros
10X reward points on key offline categories
₹499 annual fee waived on ₹1L spend
Easy to understand, simple to use
❌ Cons
No 10X rewards for online spends
Rewards capped by category scopeNo lounge, travel, or partner brand benefits
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.
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.
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