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SBI SimplySAVE
SBI • Visa

SBI SimplySAVE

Apply Now
Decision memoUpdated 13 Feb 2026
Get it if

Route this card to shopping and dining spends first, then shift spillover transactions to stronger category alternatives

Skip it if

points-value realization depends on redemption choice and transfer use

Verified 13 Feb 2026VerifiedHigh confidence2 sources checked

Latest change: Updated fee/reward/fuel-waiver terms from issuer card page

For Everyday Essentials. 2.5% on shopping spend. ₹499 fee, waiver at ₹1,00,000. Skip it for lounge access.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

Everyday Essentials

  • 10 Reward Points per Rs.150 spent on Dining, Movies, Departmental Stores
  • 1 Reward Point per Rs.150 on other spends
  • Fuel Surcharge Waiver
  • Worldwide Acceptance
Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

  • Low base reward rate
Annual Fee₹499Joining fee ₹499
Spend to Waive Fee₹1,00,000Waived on 1L spend
Best Category Return2.5%Shopping spend
Lounge Access ConditionNo accessNo lounge access listed.

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

  • 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.

Watch before applying

  • 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.
Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

Compare this cardBrowse similar cards

Same-bank step-up path

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

Step 1

Flipkart SBI Credit Card

Annual fee: ₹500

Shared focus: ShoppingHigher top earn rate (7.5%)Estimated +₹8,154/yr value
View Details
Step 2

Flipkart SBI Card

Annual fee: ₹500

Shared focus: ShoppingHigher top earn rate (5.0%)Estimated +₹5,382/yr value
View Details
Step 3

Cashback SBI Card

Annual fee: ₹999

Shared focus: ShoppingHigher top earn rate (5.0%)Estimated +₹5,382/yr value
View Details

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Value & Fees

Check if the card clears its own fee.

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 return2.5%

Shopping spend

Fee waiver estimator

Adjust your spend only if you need to test whether the card pays for itself.

Open

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₹900

Assumes base reward rate only.

Annual feeWaived

Waived on 1L spend

Net value₹900

Estimated savings per year.

Fee waiver target: ₹1,00,000 annual spend.

Reward rate breakdown

Open the category chart when two cards are close and you need the exact spend shape.

Open

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
2.5%
Dining
2.5%
Movies
2.5%
Basedefault
0.3%
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 offers9 listed

Nearest expiry: 2026-02-19

Best redemptionCatalogue (Catalogue Products)

Value band: ₹0.25-₹0.60/pt

Milestones2 rules

Top boost: Departmental Stores

Top boost: Departmental StoresExclusion risk: medium (56/100)Best redemption: Catalogue (Catalogue Products)Nearest offer expiry: 2026-02-19

Current snapshot

Open the short snapshot only if you want the latest tactical view on this card.

Open
Mapped Save Sage Data

Latest External Snapshot

Live-offer shortlists and 5,000-point valuation checks merged for this mapped card using the latest reliable Save Sage exports.

Points: 9 April 2026Offers: 9 April 2026Catalog: 9 April 2026
Live shortlist signalTRAVELXP · Flat 15% off

Next dated offer lands on 30 Jun 2026

15 active offersOffers refreshed 9 April 2026Catalog refreshed 9 April 2026
Best 5,000-point use₹1,250Statement Balance/Cashback · Cashback
Quantified point paths2Routes with rupee-value estimates in the latest 5,000-point run
Active shortlisted offers15FLOWERAURA.COM · 20% Instant discount
Next offer deadline30 Jun 2026TRAVELXP · Flat 15% off

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: SBIFA20

FLOWERAURA.COM

20% Instant discount

Valid till 31 Jul 2026 · 113 day(s) left

Use code SBIFA20; expires in 113 day(s)

UncategorizedCode: SBIDOM

TRAVELXP

Flat 15% off

Valid till 30 Jun 2026 · 82 day(s) left

Use code SBIDOM; expires in 82 day(s)

ShoppingCode: FLAT20

BEYOUNG

Flat 20% off

Valid till 31 Dec 2026 · 266 day(s) left

Use code FLAT20; expires in 266 day(s)

ShoppingCode: FTVISA

FASTRACK

Get Flat 10% off

Valid till 30 Sept 2026 · 174 day(s) left

Use code FTVISA; expires in 174 day(s)

ShoppingCode: FLAT18

FREECULTR

Flat 18% off

Valid till 31 Dec 2026 · 266 day(s) left

Use code FLAT18; expires in 266 day(s)

Redemption tools

Use these only if your shortlist is down to cards where redemption value can change the decision.

Open

Redemption optimizer unavailable

This card is better evaluated through direct cashback, fee drag, and perk value right now.

Redemption Paths

Transfer ratios, minimum transfer rules, and redemption value hints.

Fresh• 1h old

Redemption Value Explorer

Modeled using estimated value-band ranges from enrichment data.

Best path: Statement Balance/CashbackBand: ₹0.20-₹0.35/pt

Statement Balance/Cashback

Cashback

Ratio: Points transfer ratio 1:1₹0.20-₹0.35/pt
  • Redemption against Cash can be made by writing at sbicard.com/email or calling the bank's helpline.
  • 4 Reward Points = ₹1.

Catalogue

Catalogue Products

Ratio: Points transfer ratio 1:1₹0.25-₹0.60/pt
  • 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.

Live offers and milestones

Open this when you are timing an application or want to see the current offer stack.

Open

Live Offers

Expiring offers are prioritized first, with details and terms.

Fresh• 1h old

MI.COM

Rs.1000 Discount

expiring soonExpires 2026-02-19
  • Rs.1000 Discount on Redmi Pad 2 6GB+128GB
  • Minimum transaction value Rs.15999
Terms
  • Offer valid till : 19-Feb-26
  • Offer valid on SBI Bank Credit Card Full Swipe and Credit Card EMI
  • Terms and Conditions Apply
  • Valid on SBI Credit Cards

MI.COM

Rs.1000 Discount

expiring soonExpires 2026-02-19
  • Rs.1000 Discount on Redmi Pad 2 6GB+128GB
  • Minimum transaction value Rs.15999
Terms
  • Offer valid till : 19-Feb-26
  • Offer valid on SBI Bank Credit Card Full Swipe and Credit Card EMI
  • Terms and Conditions Apply
  • Valid on SBI Credit Cards

MI.COM

Rs.2000 Discount

expiring soonExpires 2026-02-19
  • Rs.1000 Discount on Redmi Pad 2 6GB+128GB
  • Minimum transaction value Rs.15999
Terms
  • Offer valid till : 19-Feb-26
  • Offer valid on SBI Bank Credit Card Full Swipe and Credit Card EMI
  • Terms and Conditions Apply
  • Valid on SBI Credit Cards

AJIO.COM

Additional 8% discount

trendingCode: ALXADNETO
  • Additional 8% discount on Ajio Luxe
  • Minimum spend of Rs.10000
Terms
  • For detailed understanding and learn about the brands part of this offer please click Brand List
  • The offer can be used multiple times by a single user
  • Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merchant to confirm the availability and validity of the Offer.
  • Valid on Visa Card

AJIO.COM

Flat 4% off

trendingCode: AJIO4
  • Flat 4% off on Ajio
Terms
  • This is an AJIO Luxe GV/GC (Gift Voucher/Gift Card) issued by Pine Labs Limited, which is a company incorporated under the laws of India, and is authorised by the Reserve Bank of India ("RBI") to issue such Gift Cards. AJIO Luxe GV/GC is redeemable on luxe.AJIO.com.
  • The holder of this GV/GC is deemed the beneficiary.
  • This GV/GC is non-transferable, non-negotiable, non-refundable, and cannot be returned or redeemed for cash or credit.
  • Expired GV/GCs cannot be revalidated.

ARROW

Extra 10% off

trendingCode: VISAR
  • Buy for Rs.2499 and get extra 10% off
Terms
  • Applicable once per user
  • Valid on Visa Card

ABHIBUS

Get 15% off

just launched

ABHIBUS

Get 5% Instant Discount

just launched

AGODA

Get up to 10% off

just launched

Milestones

Spend thresholds and rewards grouped by period.

Fresh• 1h old

Milestone ROI Calculator

Estimate incremental value unlocked at the current spend model.

Modeled annual spend: ₹4,80,000Incremental unlocked value: ₹0Top listed threshold reached

Spend ₹1L per statement year

AnnualSpend ₹1,00,000Est. value: TBDUnlocked
  • The renewal fee will be waived.
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.

Visits listedNo access

No complimentary lounge visits are currently listed.

Access ruleNo access

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.

Open

Lounge eligibility checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for SBI SimplySAVE using your current period spend.

₹0 spent₹1,00,000 target

Policy signal used: Waived on 1L spend

Spend threshold

Waived on 1L spend

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.

Open

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.

Decision Details

Open the dense rulebook only when you are close to applying.

Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.

Earn rules11 rows

Exclusion risk: medium

Benefits3 perks

Insurance, memberships, partner perks, and recurring value-adds.

Charges7 fee rows

Forex, late fee, interest, and other cost details.

Earn rules and exclusions

Open this when two cards are close and exclusions can change the winner.

Open

Earn Rule Matrix

Boosted, capped, and zero-reward categories in one table.

Exclusion risk: medium (56/100)
Fresh• 1h old
Category / MerchantRewardBucket
Departmental Stores
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹150 spent
More
Dining
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹150 spent
More
Grocery
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹150 spent
More
Movies
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
10 RPs
Earn 10 RPs per ₹150 spent
More
EMI
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Fuel
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Government
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Jewellery
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Rent
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Utilities
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero
Wallets
Base: 1 Reward Point (RP) per ₹150 spent
Note: Categories or merchants not listed below will earn base rewards
-- Reward Point
No rewards on this category
Zero

Benefits and recurring perks

Open this only if the non-reward perks are part of the value story for you.

Open

Benefits

Reusable perks and value-add benefits extracted from validated rows.

Fresh• 1h old

Zero Liability Protection

Zero Liability Protection

INSURANCE
  • On reporting the loss of the card to the bank within the stipulated time, the card holder will not be liable for any transaction done on the card.
  • Ongoing

How to avail: To claim this insurance, immediately report the incident to SBI Customer Care at 1800 1234, 1800 2100, or 1800 112211. For email support, contact customercare@sbi.co.in

Priority Pass

Priority Pass membership

MEMBERSHIP
  • Priority Pass membership: Complimentary membership for the first two years.
  • Ongoing

How to avail: Visit the Priority Pass activation page. Enter your membership number and validation code. If required, provide the last four digits of your payment card associated with the membership

Priority Pass

Priority Pass membership

Memberships
  • Priority Pass membership: Complimentary membership for the first two years.

How to avail: Visit the Priority Pass activation page. Enter your membership number and validation code. If required, provide the last four digits of your payment card associated with the membership

Charges and cost detail

Open the cost layer when you want the exact forex, late fee, and other charge rows.

Open

Charges

Key fee and charge rows for transparent comparison.

Fresh• 1h old
ChargeValue
Joining Fee₹499
Renewal Fee₹499
Forex Fee3.5%
Annual Percentage Rate45%
Add-on Card Fee₹0
Reward Redemption Fee₹99 per redemption request.
DCC3.5%
FAQ & Evidence

Keep proof and verification at the bottom.

This is the validation layer. Use it after the card already feels like a possible yes.

Truth Data Snapshot

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

Open

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 statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports11
  • Approval reports6

Frequently asked questions

Short answers for the usual apply, fee, reward, and lounge questions.

Open
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?

No complimentary lounge access is currently listed for this card.

Who should consider SBI SimplySAVE?

Everyday Essentials

Where can I apply for SBI SimplySAVE?

Check the issuer link listed for this card.

Sources and verification

Issuer link, last verification date, and how this page was assembled.

Open

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-13
  • Data Method: Automated scraper + Manual audit