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SBI Card
SBI SimplySAVE
Entry levelPointsWorks on UPIVisaMastercardRuPayPending re-check
Joining fee
₹499
Annual fee
₹499
Waived on ₹1,00,000/yr spend
Forex mark-up
3.5%
+ 18% GST on the mark-up
Why people pick it
- ✓10X points on groceries & dining
- ✓RuPay variant for UPI
- ✓Easy to get as a first card
Watch out for
- !Very low base reward rate (~0.17%)
Rewards
| 10X points on dining, movies, groceries & departmental stores | 1.67% | no cap |
| Everything else (base rate) | 0.17% | no cap |
No rewards on: Fuel, Rent
Rates are shown as approximate ₹ value per ₹100 spent, after converting points at typical redemption values.
Travel & lounges
- Domestic lounge
- None
- International lounge
- None
Eligibility
- Salaried
- ₹20,000/month
- Self-employed
- ₹3,00,000/yr ITR
- Age
- 21–70 years
- First-time applicants
- Friendly
Income figures are indicative; banks decide case by case.
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