Basic Information

Welcome Benefits Welcome Benefit: 2,000 Bonus Reward Points
Qualification: Spend ₹2,000 or more within first 60 days
Conditions: Offer conditions apply

Card Details Card Name: SimplySAVE SBI Card
Bank Name: SBI Card / State Bank of India
Card Type: Cashback/Rewards Credit Card

Payment Network Payment Network: Visa / Mastercard / RuPay variants available depending on card issuance

Eligibility Employment Type: Salaried / Self-employed

Rewards Program

Reward Points Accelerated Reward Rate: 10 Reward Points per ₹150
Accelerated Categories: Dining, Movies, Grocery & Departmental Stores
Regular Reward Rate: 1 Reward Point per ₹150 on other spends
Reward Value: 4 Reward Points = ₹1
Accelerated Reward Cap: 5,000 Reward Points per month
Reward Expiry: 24 months

Cashback Cashback: No direct cashback benefit stated; value comes through Reward Points

Redemption Redemption Options: SBI Card Rewards Catalogue; adjustment towards outstanding card bill
Reward Value: 4 Reward Points = ₹1
Redemption Fee: ₹99 + taxes per processed batch

Shopping Benefits

Offline Shopping Reward Benefit: 10X Reward Points
Eligible Categories: Departmental Stores & Grocery spends

EMI Offers EMI Conversion: Flexipay / EMI facility available
Merchant EMI Offer: No specific SimplySAVE merchant EMI offer confirmed

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1%
Eligible Transaction Amount: ₹500–₹3,000
Maximum Waiver: ₹100 per statement cycle
Coverage: Petrol pumps across India

Fuel Rewards Fuel Reward Points: Fuel transactions are excluded from Reward Points

Dining & Entertainment

Dining Reward Benefit: 10X Reward Points per ₹150 on eligible Dining spends

Movies Reward Benefit: 10X Reward Points per ₹150 on eligible Movie spends

Daily Spending Benefits

Grocery Reward Benefit: 10X Reward Points per ₹150 on eligible Grocery/Supermarket spends

Insurance & Protection

Card Security Lost/Stolen Card Assistance: Emergency assistance available through SBI Card/customer assistance services

Digital Features

Payments Contactless Payment: Supported
UPI on Credit Card: Available where card is issued on RuPay network

Banking Features Online Account Management: Available
Mobile Account Management: Available
Card PIN Management: Available

Add-on Features

Family Benefits Add-on Card: Available
Eligible Family Members: Spouse, parents, siblings and children above 18 years
Annual Add-on Fee: Nil

EMI Features EMI Conversion: Flexipay / EMI conversion facility available

Fees & Charges

Joining Charges Joining Fee: ₹499 + applicable taxes

Annual Charges Annual/Renewal Fee: ₹499 + applicable taxes
Annual Fee Waiver: Renewal fee reversed if annual spends reach ₹1,00,000 in preceding year

Finance Charges Interest Rate Monthly: Up to 3.75% p.m.
Interest Rate Annual: Up to 45% p.a.
Late Payment Fee: ₹0 for ₹0–₹100 outstanding; ₹100 for >₹100–₹500; ₹500 for >₹500–₹1,000; ₹750 for >₹1,000–₹10,000; ₹950 for >₹10,000–₹25,000; ₹1,100 for >₹25,000–₹50,000; ₹1,300 above ₹50,000

Cash Advance Charges Cash Withdrawal Fee: 2.5% or ₹500, whichever is higher
Finance Charges: Applicable from withdrawal date

EMI Charges EMI Facility: Flexipay / EMI facility available

Forex Charges Foreign Currency Transaction Fee: 3.5%
DCC Charge: Not specifically established for SimplySAVE

Other Charges Card Replacement Fee: ₹100–₹250
Overlimit Fee: 2.5% of overlimit amount, minimum ₹600
Reward Redemption Fee: ₹99 + taxes per processed batch

Customer Support

Service Customer Support: SBI Card Helpline / 24-hour global assistance services

Emergency Services Emergency Assistance: Lost/stolen card assistance while travelling abroad
ATM Cash Withdrawal: Available

Performance & Ratings

Best Usage Best For: Dining, Movies, Grocery, Departmental Stores, Fuel savings

Advantages Pros:
10X rewards on Dining, Movies, Grocery and Departmental Stores
1% fuel surcharge waiver
₹1 lakh annual spend-based fee reversal
2,000 welcome bonus points on qualifying first-60-day spend

Limitations Cons:
No major travel benefits identified
No major airport lounge benefits identified
No major OTT benefits identified
No major golf benefits identified
No major luxury benefits identified
Accelerated rewards capped at 5,000 Reward Points per month
Fuel transactions do not earn Reward Points