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SBI SimplySAVE Credit Card
SBI

SBI SimplySAVE Credit Card

Top choice for high offline spending in groceries, movies, and dining

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At a glance

Should you consider this card?

Spend Type Reward Rate Value
Grocery, Dining, Movies, Dept. Stores 10 RP / ₹100 ₹2.5 / ₹100
All Other Spends 1 RP / ₹100 ₹0.25 / ₹100
Annual fee₹499 + GST
Joining fee₹499 + GST
Forex markup3.5% + GST

Welcome benefit

₹100 cashback on first spend of ₹500 within 30 days
Earning and using rewards

Rewards that matter

How you earn

  • 10X reward points per ₹100 on Dining, Movies, Departmental Stores, and Grocery purchases (offline only)

  • 1 reward point per ₹100 on all other spends

  • 1 Reward Point = ₹0.25 (redeemable for gift vouchers)

How to redeem

Reward points redeemable for vouchers (Amazon, Flipkart, BigBasket, etc.) via SBI Rewards platform.
1 RP = ₹0.25

Renewal benefit

Annual fee waived on ₹1L spend
Spend thresholds

Milestone benefits

Spend ₹1,00,000 annually to get renewal fee waiver
Cost and conditions

Fees and charges

Joining fee₹499 + GST
Annual fee₹499 + GST
Forex markup3.5% + GST
Fuel surcharge1% waiver (₹500/month cap)
Reward redemption₹99 + GST
Interest rate3.5% monthly
Cash advance2.5% or ₹500 min
Late payment₹400–₹1300
Waived on ₹1,00,000 annual spend

What works well

10X reward points on key offline categories
₹499 annual fee waived on ₹1L spend
Easy to understand, simple to use

Consider before applying

No 10X rewards for online spends
Rewards capped by category scope
No lounge, travel, or partner brand benefits
Travel, insurance and more

Benefits and privileges

  • 10X rewards on everyday categories

  • Simple reward structure (offline focused)

  • Easy milestone-based annual fee waiver

  • Fast online application via SBI portal

Before you apply

Eligibility and application

Who may be eligible

  • Age: 21–60

  • Income: ₹18,000+/month

  • CIBIL Score: 700+ preferred

  • Nationality: Indian resident

Application process

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.

Check eligibility with SBI ↗
Our 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.
Answers before applying

Frequently asked questions

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.

Fees, rewards, availability and eligibility can change. Verify the issuer’s current terms before applying.