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City Union Bank SimplySAVE SBI Card
SBI • Visa

City Union Bank SimplySAVE SBI Card

SBI SimplySAVE partnership card for routine spend categories and starter reward optimization.

Annual Fee₹499Waived on issuer-defined annual spend threshold
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹195Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual fee₹499

Waived on issuer-defined annual spend threshold

Net value₹1,301

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
1.0%
Dining
1.0%
Basedefault
0.5%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • City Union Bank SimplySAVE SBI Card is best positioned as a shopping + dining specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.0% on shopping-aligned lanes, while broad base return remains closer to 0.5%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to shopping and dining spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹499
  • Annual fee₹499
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/point₹0.25
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports7
  • Approval reports4

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

SBI Prime

Annual fee: ₹2999

Shared focus: Dining, LifestyleHigher product tier within same bank+30 more lounge visits in current dataset
View Details
Step 2

Landmark Rewards SBI Card

Annual fee: Free

Shared focus: Lifestyle+30 more lounge visits in current datasetEstimated +₹2,173/yr value
View Details
Step 3

BPCL SBI Card Octane

Annual fee: ₹1499

Shared focus: Lifestyle+16 more lounge visits in current datasetHigher top earn rate (7.2%)
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for City Union Bank SimplySAVE SBI Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on issuer-defined annual spend threshold

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹5,000@ ₹0.25 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

  • Entry-level SBI card with everyday-category rewards
  • Low annual fee with spend-linked waiver path
  • Suitable for first-time rewards users
  • SBI issuer offer ecosystem access

Things to Consider

  • Modest base rewards outside preferred categories
  • Category rates depend on issuer cap and exclusion rules
  • Co-brand card issuance may depend on partner channel criteria

About City Union Bank SimplySAVE SBI Card

City Union Bank SimplySAVE SBI Card is a points card from SBI, best for low-to-mid spend users wanting simple points accrual. It is tagged under rewards, shopping, dining, lifestyle categories in our database.

RewardsShoppingDiningLifestyle

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Frequently asked questions

Is City Union Bank SimplySAVE SBI Card lifetime free?

It has an annual fee of ₹499. Waived on issuer-defined annual spend threshold

What rewards does City Union Bank SimplySAVE SBI Card offer?

SBI SimplySAVE partnership card for routine spend categories and starter reward optimization.

Does City Union Bank SimplySAVE SBI Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider City Union Bank SimplySAVE SBI Card?

Low-to-mid spend users wanting simple points accrual

Where can I apply for City Union Bank SimplySAVE SBI Card?

Check the issuer website for application availability.