Offer Truth
- Joining fee₹499
- Annual fee₹499
- Waiver threshold₹1,00,000
- Cap typemixed
- Cap resetstatement-cycle
- Last verified2026-02-13
Back to Browse
Step 1 Step 2 Step 3 Fresh• 1h old
Fresh• 1h old Fresh• 1h old Fresh• 1h old Fresh• 1h old Fresh• 1h old
SBI • Visa
SBI SimplySAVE
10x Points on Dining, Movies, Grocery
Reviewed by CardWise Editorial Team
Last Verified: 2/13/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹499Waived on 1L spend
Base Reward0.3%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,001Based 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₹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
Category-wise reward rates for this card
Upgrade Path
These are objective same-bank step-up options from the current rewards and lounge model.
Flipkart SBI Credit Card
Annual fee: ₹500
Shared focus: ShoppingHigher top earn rate (7.5%)Estimated +₹8,154/yr value
View DetailsFlipkart SBI Card
Annual fee: ₹500
Shared focus: ShoppingHigher top earn rate (5.0%)Estimated +₹5,382/yr value
View DetailsSBI Cashback Card
Annual fee: ₹999
Shared focus: ShoppingHigher top earn rate (5.0%)Estimated +₹5,382/yr value
View DetailsLounge 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: NoTrack lounge eligibility for SBI SimplySAVE using your current period spend.
₹0 spent₹150 target
Policy signal used: 1 Reward Point per Rs.150 on other spends
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.
Lounge Locations
No airport-wise rows currently availableAirport-level lounge rows are not currently available for this card. We still show policy checklist details above.
Redemption Optimizer Unavailable
Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.
Decision Data Enrichment
Reused from validated provider snapshots with freshness gates and quality filters.
Top boost: Departmental StoresExclusion risk: medium (56/100)Best redemption: Catalogue (Catalogue Products)Value band: ₹0.25-₹0.60/ptNearest offer expiry: 2026-02-19Forex fee: 3.50%Domains with data: 6
Earn Rule Matrix
Boosted, capped, and zero-reward categories in one table.
| Category / Merchant | Reward | Bucket |
|---|---|---|
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 |
Live Offers
Expiring offers are prioritized first, with details and terms.
MI.COM
Rs.1000 Discount
- 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
- 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
- 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
- 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
- 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
- Buy for Rs.2499 and get extra 10% off
Terms
- Applicable once per user
- Valid on Visa Card
ABHIBUS
Get 15% off
ABHIBUS
Get 5% Instant Discount
AGODA
Get up to 10% off
Redemption Paths
Transfer ratios, minimum transfer rules, and redemption value hints.
Redemption Value Explorer
Modeled using estimated value-band ranges from enrichment data.
Statement Balance/Cashback
Cashback
- 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
- 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.
Milestones
Spend thresholds and rewards grouped by period.
Milestone ROI Calculator
Estimate incremental value unlocked at the current spend model.
Spend ₹1L per statement year
- The renewal fee will be waived.
Benefits
Reusable perks and value-add benefits extracted from validated rows.
Zero Liability Protection
Zero Liability Protection
- 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
- 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
- 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
Key fee and charge rows for transparent comparison.
| Charge | Value |
|---|---|
| Joining Fee | ₹499 |
| Renewal Fee | ₹499 |
| Forex Fee | 3.5% |
| Annual Percentage Rate | 45% |
| Add-on Card Fee | ₹0 |
| Reward Redemption Fee | ₹99 per redemption request. |
| DCC | 3.5% |
Key Benefits
- 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
Things to Consider
- Low base reward rate
About SBI SimplySAVE
SBI SimplySAVE is a points card from SBI, best for everyday essentials. It is tagged under shopping, dining, movies categories in our database.
ShoppingDiningMovies
Similar Cards You Might Like
SBIVisa
Bank of Maharashtra SimplySAVE SBI Card
Users wanting an entry-level points card with low annual fee
₹499/yrPoints
SBIVisa
Canara Bank SimplySAVE SBI Card
Users seeking low-fee entry card with SBI partnership benefits
₹499/yrPoints
SBIVisa
Central Bank SimplySAVE SBI Card
Users wanting a budget SBI points card with fee waiver path
₹499/yrPoints
Frequently asked questions
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 website for application availability.
Sources & Verification
- Official Issuer Page:Direct Link
- Last Verified: 2026-02-13
- Data Method: Automated scraper + Manual audit
Key Terms
APR (Annual Percentage Rate)
The interest rate charged on unpaid dues if you don't pay your full bill by the due date.
Forex Markup
An additional fee charged for transactions made in foreign currency.
Lounge Access
Complimentary entry to airport lounges, often subject to spend milestones.
Milestone Benefits
Bonus rewards unlocked when you cross specific spending thresholds within a period.