Advertiser Disclosure: We earn commission from some partners. This doesn't affect our editorial independence. How we make money
SimplySAVE SBI Card
SBI's everyday rewards card with 10x on dining, grocery, and departmental stores. Designed for families who want maximum value on daily household spending.
Secure application on SBI Card's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for SimplySAVE SBI Card
Is It Worth It? (Quick Math)
Worth the fee! ✅
You gain ₹9,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
Rate Alerts
Get updates on WhatsApp about SimplySAVE SBI Card rates and offers.
Key Features
- 10x on everyday categories — excellent daily value card
- Good for families with heavy grocery and dining spends
- Wide SBI Card merchant acceptance
- Low income requirement makes it accessible
Rating Overview
Eligibility Criteria
Age
21+ Years
Income
₹0.3L / year
Documents
Rewards Program
SimplySAVE SBI Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹29,940 in the best category to earn rewards equal to the ₹499 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •10x on everyday categories — excellent daily value card
- •Good for families with heavy grocery and dining spends
- •Wide SBI Card merchant acceptance
- •Low income requirement makes it accessible
Shopping
- •Cashback on Spends
- •Discount Vouchers
Pros
- 10x on everyday categories — excellent daily value card
- Good for families with heavy grocery and dining spends
- Wide SBI Card merchant acceptance
- Low income requirement makes it accessible
Cons
- Annual fee of ₹499 (waivable on ₹1L spend)
- 10x rewards subject to monthly cap
- No airport lounge access or travel benefits
- Overlaps significantly with SBI SimplySAVE
Required Documents
Keep these documents ready before applying for SimplySAVE SBI Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹499 |
Annual Fee From second year onwards | ₹499 |
Related Guides & Comparisons
SIP vs RD: Where Should You Park Your ₹10,000 Monthly in 2026? A Comprehensive Indian Guide
RD Calculator Guide: How Much Will Your Rs 5,000 Monthly RD Grow in 3 Years?
Recurring Deposit vs SIP: Which Is Better for Monthly Rs 5,000 Investment?
Was this article helpful?
Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
User Reviews
Be the first to review
Rating Distribution
Related Calculators
Make informed decisions with our financial calculators
Ready to upgrade your wallet?
Apply for the SimplySAVE SBI Card today and start earning rewards on every spend.
Application processed securely by SBI Card