City Union Bank SimplySAVE SBI Card

Annual feeJoining feeRenewal fee

₹499 + GST

Fee waiver rule

Reversal of renewal fee on annual spends of ₹1 lakh. Renewal Fee is reversed if annual spends for last year >= ₹1,00,000.

Add-on card fee

Add-on Card Fee (per annum): Nil.

Welcome benefit

Extravaganza Offer: Spend ₹2,000 or more in first 60 days and get 2,000 Bonus Reward Points.

Reward rate

1 Reward Point per ₹150 · everyday spends1 Reward Point per ₹150 spent on all other spends.

Reward earning on dining spends

10X Reward Points per ₹150 spent on dining, movies, departmental stores and grocery.

What one reward unit is worth

Pay your outstanding card bill using reward points. 4 Reward Points = Re. 1.

Point expiry

Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM); Reward Points not redeemed within this period will expire and be forfeited on the last day of the 24th month

Fuel surcharge waiver

1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000 at all petrol pumps across India; maximum waiver of ₹100 per statement cycle, per credit card account

Add-on card eligibility

Empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18.

Purchase to EMI conversion

Flexipay EMI: Convert eligible purchases into easy monthly EMIs. Applicable on transactions of ₹2,500 or more.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% (For All Cards Except Aurum, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card and SBI Card Miles Elite/Miles Prime/Miles)

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600); Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250 (₹1500 for Aurum)

Cash payment / cash deposit fee

Cash Payment Fee: Revised from ₹199 to ₹250 w.e.f. 01 Sep 2021

Education / school fee charge

Fee on Education Payments: W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps. However, payments made directly to colleges or schools via their websites or POS machines will not attract any fee.

Fee for paying the bill by cheque

₹200; not applicable for SBI Card Unnati, SBI Card Vyapaar Unnati and SBI Card Krishak Unnati Credit Cards

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

₹99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM. No redemption fee will be charged to the card account if, the card account status is found voluntarily closed on the fee posting date

Wallet load charge

W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Rent transaction fee

₹199 processing fee on all rent payment transactions; Processing Fee will not be reversed in case of transaction reversal / cancellation / refund.

Utility transaction fee

W.e.f. 1st Dec 2024, 1% of total amount of Utility Payments, if the total amount exceeds ₹50,000 in a billing cycle

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding

Age the primary cardholder must be

21 to 60 years

Eligibility

Salaried or Self-Employed with stable income.

Minimum age

Minimum 21 years