Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee₹499
Joining fee ₹499
Fee waiver₹1,00,000
Waived on 1L spend
Best return0.6%
Shopping spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹1,075after annual fee
Value covers the ₹499 annual fee
Fee waiver estimator
Adjust your spend only if you need to test whether the card pays for itself.
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on shopping — 0.63% vs 0.06% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Shoppingbest earn
0.63%
Dining
0.63%
Movies
0.63%
Basedefault
0.06%
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
This card is better treated as direct cashback or feature value.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Live offer and point snapshot
Latest tactical offers, point values, and catalog support imported for this card.
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Latest Imported Data
Offer + Point Snapshot
Action-first view of live-offer shortlists, 5,000-point valuation checks, catalog support, and urgent spend rows.
Mapped coverage17
Points30 June 2026Offers30 June 2026Catalog30 June 2026SupportCatalog profile only
Planned spend signalBEYOUNG · Flat 20% off
Use for planned spend · valid till 31 Dec 2026
HIGH VALUE184 days left12 active offersOffers refreshed 30 June 2026
Best 5,000-point use₹1,250Statement Balance/Cashback · CashbackQuantified point paths2Routes with rupee-value estimates in the latest 5,000-point runActive shortlisted offers12BEYOUNG · Flat 20% offCatalog supportCatalog profile only1% to 2%%
Spend earn rules
Scan-to-pay reward rules mapped from the warehouse, with personal balances stripped before import.
1 Reward Point (RP) per ₹150 spent10 rules · 9 offer rows
More10 RPs
Departmental Stores
10.0 RPs per ₹150
More10 RPs
Dining
10.0 RPs per ₹150
More10 RPs
Grocery
10.0 RPs per ₹150
More10 RPs
Movies
10.0 RPs per ₹150
Partner redemption map
Mapped public transfer and pay-by-points partners from the warehouse.
Statement Balance/CashbackCashback
₹0
CatalogueCatalogue Products
₹0
Statement Balance/CashbackCashback
Points transfer ratio 1:1
CatalogueCatalogue Products
Points transfer ratio 1:1
Today action plan
Urgent, soon, and high-value rows from the latest action-plan export.
HIGH VALUEShoppingCode: FLAT20
BEYOUNG
Flat 20% off
Valid till 31 Dec 2026 · 184 days left
Use code FLAT20; expires in 184 day(s)
HIGH VALUEShoppingCode: FLAT18
FREECULTR
Flat 18% off
Valid till 31 Dec 2026 · 184 days left
Use code FLAT18; expires in 184 day(s)
HIGH VALUEShoppingCode: BATH15
BATH AND BODY WORKS
Flat 15% off
Valid till 31 Dec 2026 · 184 days left
Use code BATH15; expires in 184 day(s)
Top 5,000-point paths
These are the best category-level outcomes found in the latest quantified valuation run.
Cashback₹1,250
Statement Balance/Cashback
0.25 rupees per point
Points transfer ratio 1:1
Redemption against Cash can be made by writing at sbicard.com/email or calling the bank's helpline.
4 Reward Points = ₹1.
Statement Credit redemption is capped at 60,000 Reward Points per card per calendar month, and must be made in multiples of 4,000 points.
Catalogue Products₹1,250
Catalogue
0.25 rupees per point
Points transfer ratio 1:1
Go to www.rewardz.sbi and Login using your credentials.
Navigate to the Rewards or Loyalty section.
Select your desired rewards from the reward catalog from various categories like products, vouchers, cashback, travel and hotel, airline miles etc.
Actionable offer shortlist
Offer rows are shown with exact expiry dates, so stale shortlist ranks do not get surfaced as live.
ShoppingCode: FLAT20
BEYOUNG
Flat 20% off
Valid till 31 Dec 2026 · 90 days left
Use code FLAT20; expires in 184 day(s)
ShoppingCode: FLAT18
FREECULTR
Flat 18% off
Valid till 31 Dec 2026 · 90 days left
Use code FLAT18; expires in 184 day(s)
ShoppingCode: BATH15
BATH AND BODY WORKS
Flat 15% off
Valid till 31 Dec 2026 · 90 days left
Use code BATH15; expires in 184 day(s)
ShoppingCode: BLISS15
BLISSCLUB
Flat 15% off
Valid till 31 Dec 2026 · 90 days left
Use code BLISS15; expires in 184 day(s)
JewelleryCode: SENADN101
SENCO GOLD
25% discount
Valid till 31 Mar 2027 · 180 days left
Use code SENADN101; expires in 274 day(s)
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Redemption optimizer unavailable
This card is better evaluated through direct cashback, fee drag, and perk value right now.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
Rows mapped0 rows
0 domestic • 0 international policy count
Access ruleCheck terms
No lounge data listed in latest source snapshot. Please verify with issuer.
Coverage sourceNeeds check
Derived from card policy signals
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.
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Derived from card policy signals
Lounge Spend Tracker
Threshold unknown
Check the spend threshold for SBI SimplySAVE using spend in the issuer’s qualifying period.
₹0 spentAdd threshold to start tracking
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
No spend threshold was detected from current lounge policy text. You can still track manually.
Spend threshold
No spend-based lounge policy is listed in current card data.
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.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
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Lounge locations
No airport-wise rows currently available
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Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
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 threshold₹1,00,000
Cap typemixed
Cap resetstatement-cycle
Last verified2026-02-13
Redemption Truth
Cash value/point₹0.25
Travel value/point₹0.25
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-13
Lounge Truth
NetworkVisa
Domestic count0
International count0
Quarterly limit0
Airport-terminal rows0
Policy check2026-02-13
Reliability + Outcomes
Verification statusstale
Freshness days231
Source conflicts0
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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Is SBI SimplySAVE lifetime free?
It has an annual fee of ₹499. Waived on 1L spend
What rewards does SBI SimplySAVE offer?
10x Points on Dining, Movies, Grocery
Does SBI SimplySAVE include lounge access?
SBI SimplySAVE lists lounge access with 0 mapped lounge rows (0 domestic, 0 international policy count).
Who should consider SBI SimplySAVE?
Everyday Essentials
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 13 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
