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Key features
What this card is built to do — the highlights that actually matter.
2.50% on Dining
10X reward points on dining
2.50% on Groceries
10X points on grocery
Annual Fee Waiver
Fee of ₹499/yr fully waived when you spend ₹1,00,000/year
Milestone Bonus
~₹500 in bonus rewards on hitting annual spend milestones
Geeta shops at Big Bazaar twice a week and eats out at restaurants every weekend. SBI SimplySAVE gives 10X points on grocery, dining, movies, and departmental stores in the first 60 days — forming a strong habit before dropping to 2X base. Her ₹8,000/month offline spend earns ₹2,400/year. The ₹499 annual fee is waived at ₹1L spend, which she crosses by June.
Who is this for?
For offline-first spenders who shop at supermarkets, eat at restaurants, and visit malls. If you prefer physical stores over e-commerce and spend ₹4,000+ per month on grocery and dining, SimplySAVE beats most online-focused cards for your lifestyle.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2.50% | — |
| Groceries | reward points | 2.50% | — |
| Other | reward points | 0.25% | — |
Dining: 10X reward points on dining
Groceries: 10X points on grocery
Other: 1X base reward points
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
1% fuel surcharge waiver (up to ₹50/month)
₹500 Amazon voucher on ₹1L annual spend
Should you get it?
- Best for: First-time card users, Low to moderate spenders
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Dining (2.50% back).
Pros
- Strong rewards that can offset the annual fee for the right spender
- Simple, accessible entry/mid-tier card
Cons
- Annual fee applies unless the spend-based waiver is met
- Fewer premium travel and lifestyle perks
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your sbi reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
The concern
Reward points need portal redemption at modest value — the effective rate is lower than the 10X branding implies.
Bottomline
CardAdvisor Rating: 3.8 / 5SimplySAVE is the offline mirror of SimplyCLICK and the right pick for households that still shop at physical stores. The fee waives at just ₹1L. It does what entry cards should: pay you for spending you were doing anyway.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the SBI SimplySAVE Credit Card are taken from SBI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Similar & related cards
Other cards worth comparing before you apply.
SBI SimplyCLICK Credit Card
Same tier with similar rewards
ICICI HPCL Super Saver Credit Card
Comparable ICICI option
Axis Bank MyZone Credit Card
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IndianOil Axis Bank Credit Card
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IDFC FIRST Millennia Credit Card
Lifetime-free alternative
IDFC FIRST WOW Credit Card
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