SimplySAVE SBI Card
SBI Card
Annual / renewal fee
₹499 (plus applicable taxes).
Verifiedharvested from product page18 Aug 2026, 11:38 AM ISTSBI Card
Earn rate
1 Cash Point for every ₹100 spent on the SimplySAVE SBI Card.
VerifiedSimplySAVE SBI Card – Know Your Card & MITC1 Aug 2026, 10:35 AM ISTSBI Card
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
SimplySAVE SBI Card by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹499 + taxes.
VerifiedSimplySAVE SBI Card — official product page18 Aug 2026, 11:38 AM ISTSBI Card
Annual / renewal fee
₹499 (plus applicable taxes).
Verifiedharvested from product page18 Aug 2026, 11:38 AM ISTSBI Card
Fee waiver
Renewal fee of ₹499 waived off on annual spends of ₹1 Lakh or more in the preceding year.
Verifiedharvested from product page18 Aug 2026, 11:38 AM ISTSBI Card
Renewal fee
₹499 (Waived off on annual spends of ₹1 Lakh or more in the preceding year).
Verifiedharvested from product page18 Aug 2026, 11:38 AM ISTSBI Card
Rewards
1 Cash Point for every ₹100 spent on the SimplySAVE SBI Card.
VerifiedSimplySAVE SBI Card – Know Your Card & MITC1 Aug 2026, 10:35 AM IST
Redemption value
- 2000 Cash Points can be used to pay ₹500 from the credit card balance.
- Minimum 2000 Cash Points required to encash.
- Rewards Redemption Fee ₹99 (applicable only on physical products, statement credit & vouchers sent physically).
- Reward Points valid for 24 months.
VerifiedSimplySAVE SBI Card – Know Your Card & MITC18 Aug 2026, 11:38 AM ISTSBI Card
Reward cap
- Reward Points on promoted categories subject to a capping of 5,000 Reward Points per calendar month.
- After reaching this cap, cardholder accrues 1 Reward Point per ₹100 on eligible transactions in promoted categories.
VerifiedSimplySAVE SBI Card – Know Your Card & MITC18 Aug 2026, 11:38 AM ISTSBI Card
Reward exclusion
VerifiedSimplySAVE SBI Card – Know Your Card & MITC18 Aug 2026, 11:38 AM ISTSBI Card
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
2000 Bonus Points on spends of ₹2000 within 60 days of receiving card (valid only for SimplySAVE SBI Card with Year 1 Joining Fee of ₹499; not valid on Cash Withdrawals, Balance Transfer and Easy Money Draft spends; max 2000 points per account).
VerifiedSimplySAVE SBI Card – Know Your Card & MITC18 Aug 2026, 11:38 AM ISTSBI Card
Milestone benefit
Extravaganza Offer: Spend ₹2,000 or more in first 60 days and get 2,000 Bonus Reward Points.
VerifiedSimplySAVE SBI Card — official product page18 Aug 2026, 11:38 AM ISTSBI Card
Eligibility
Eligibility
Add-on cards can be applied for spouse, parents, siblings and children over 18 years of age.
VerifiedSimplySAVE SBI Card – Know Your Card & MITC18 Aug 2026, 11:38 AM ISTSBI Card
Charges & interest
Forex markup
Foreign Currency Transaction Fee: 3.5%.
VerifiedSBI Card – Master Most Important Terms & Conditions (MITC) – covers all SBI cards including SimplySAVE18 Aug 2026, 11:38 AM ISTSBI Card
Charge
- Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards (min ₹25).
- Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
- Cash Payment Fee: ₹250.
- Cheque Payment Fee: ₹200.
- Payment Dishonor Fee: 2% of payment amount (min ₹500).
- Over Limit Fee: 2.5% of overlimit amount (min ₹600).
- Card Replacement Fee: ₹100 - ₹250.
- Dynamic Currency Conversion Fee: 3.5%.
- Late Payment Charges: Nil for ₹0-₹100, ₹100 (>₹100 to ₹500), ₹500 (>₹500 to ₹1,000), ₹750 (>₹1,000 to ₹10,000), ₹950 (>₹10,000 to ₹25,000), ₹1,100 (>₹25,000 to ₹50,000), ₹1,300 (>₹50,000), plus additional ₹100 on missing MAD for two consecutive cycles.
- Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total utility payments if exceeding ₹50,000 in a billing cycle.
- Fee on Education Payments via third-party apps: w.e.f. 1st Nov 2025, 1%.
- Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% on every wallet load transaction exceeding ₹1,000.
- Processing Fee on Rent Payment Transactions: ₹199.
VerifiedSBI Card – Master Most Important Terms & Conditions (MITC) – covers all SBI cards including SimplySAVE18 Aug 2026, 11:38 AM ISTSBI Card
Fuel surcharge waiver
Maximum Fuel Surcharge waiver of ₹100 per month for transactions between ₹500 and ₹3000 (exclusive of all applicable taxes).
VerifiedSimplySAVE SBI Card – Know Your Card & MITC18 Aug 2026, 11:38 AM ISTSBI Card
Interest-free period
Interest free credit period of 20 to 50 days (subject to submission of claims by the merchant; not applicable if previous month's balance is not cleared in full or if cash has been withdrawn from any ATM).
VerifiedSBI Card – Master Most Important Terms & Conditions (MITC) – covers all SBI cards including SimplySAVE18 Aug 2026, 11:38 AM ISTSBI Card
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the SimplySAVE SBI Card?
Officially traced: Rs. 499 (plus applicable taxes).
harvested from product pageIs the SimplySAVE SBI Card annual fee ever waived?
Renewal fee of Rs. 499 waived off on annual spends of Rs. 1 Lakh or more in the preceding year.
harvested from product pageHow does the SimplySAVE SBI Card earn rewards?
1 Cash Point for every Rs. 100 spent on the SimplySAVE SBI Card.
SimplySAVE SBI Card – Know Your Card & MITCWhat welcome benefit does the SimplySAVE SBI Card offer?
2000 Bonus Points on spends of Rs. 2000 within 60 days of receiving card (valid only for SimplySAVE SBI Card with Year 1 Joining Fee of Rs. 499.
SimplySAVE SBI Card – Know Your Card & MITCWhat are the transfer ratios for SimplySAVE SBI Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.sbicard.com/en/personal/credit-cards/shopping/simplysave-sbi-card.page.
VerifiedSBI Card – Master Most Important Terms & Conditions (MITC) – covers all SBI cards including SimplySAVE18 Aug 2026, 11:38 AM ISTSBI Card
Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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