SimplySAVE SBI Card

10 Reward Points per ₹150 on dining, movies, departmental stores and grocery;… — Best for .

Active for new applications. Catalog uses sbi-simplyclick as the slug for SimplyCLICK; the equivalent SimplySAVE slug in the catalog is missing. SBI Card's FAQ page lists max age 70 (not 65 as in the catalog) for all personal cards — the parent agent may want to update the max-age field for the entire SBI section.

SimplySAVE SBI Card is issued by SBI Card on the Visa network, which sets the global acceptance and the contactless / tokenisation experience. Annual fee: ₹499 (joining fee ₹499). Fee waivers may apply — check the Fees section below for the exact conditions. The card is positioned for everyday spending; the rest of this page breaks down what that means in practice.

SimplySAVE SBI Card charges the fees listed below. Annual and joining fees are set by SBI Card and may change at renewal — always check the bank's most recent fee schedule before you apply. - Joining fee: ₹499 - Annual fee: ₹499 - joining fee: ₹499 - annual fee: ₹499 (waivable) - Waived on annual spends ≥ ₹1,00,000 in preceding year - forex markup fee: ₹3.5 - SBI Card standard forex (MITC) - late payment fee: ₹750 - SBI Card standard for entry-tier - cash advance fee: ₹2.5 - SBI Card standard - fuel surcharge: ₹1 (waivable) - 1% surcharge waived on fuel between ₹500 and ₹3,000 (max ₹100/cycle)

For most applicants the only fee that matters day-to-day is the annual fee; the others (foreign-currency markup, late-payment charges, cash-advance fees) only apply if you trigger them. If you are comparing SimplySAVE SBI Card against another card on cost alone, the cleanest comparison is {joiningFee ?? "joining fee"} joining + ₹499/yr vs. the equivalent on the alternative.

SimplySAVE SBI Card earns 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 Reward Point per ₹150 on all other spends; 4 Reward Points = Re. 1 on eligible spends.

Reward rates by category:

- dining: 10.00 Reward Points per Rs 1 spent - Milestone bonus: 2,000 Bonus Reward Points (worth ₹500) on spends of ₹2,000+ within first 60 days - Reward Points per ₹150 on dining, movies, departmental stores and grocery; 1 RP per ₹150 on all other spends — redemption_value: Reward Points = 1 (statement credit)

How to think about value: Indian credit-card reward points are worth between ₹0.20 and ₹1.00 each depending on how you redeem (cashback is straightforward; transfer partners and milestone redemptions can pay more). The headline rate on SimplySAVE SBI Card reads high because the bank quotes point-accumulation, not rupee value — multiply by your typical monthly spend and the redemption rate you'd actually use to get a real-world figure.

The Rewards tab below carries the full per-category breakdown with monthly caps, milestone bonuses, and any accelerated-spend windows (festivals, weekend spends, travel categories).

Beyond the headline reward rate, SimplySAVE SBI Card includes the lifestyle, travel, and insurance benefits listed below. These are the perks that decide which card stays in your wallet for year three, not just year one.

Headline benefits:

- Fuel surcharge waiver — 1% waiver - 1% surcharge waived on fuel between ₹500 and ₹3,000; maximum waiver of ₹100 per statement cycle

Insurance and consumer protection: most Visa cards issued by Indian banks come with at least purchase-protection and zero-liability-on-fraud cover; the precise cover levels, claim procedures, and exclusions are spelled out in the card's most-favored-nations (MFN) booklet — request a copy from the bank if you cannot find it online.

Lounge access: if SimplySAVE SBI Card advertises airport-lounge access, the headline number (visits per quarter, domestic vs international) is in the Benefits tab; the access is usually conditional on minimum quarterly spends, which the same tab will list.

SimplySAVE SBI Card targets applicants who are 21-70 years old and earn at least ₹2,00,000 for salaried applicants.

The bank assesses credit-card applications on four factors: your CIBIL score (700+ recommended), your monthly income versus the minimum-income threshold, your employment stability (Salaried / self-employed both qualify for most cards), and your existing relationship with SBI Card — existing customers usually see faster approvals and higher initial credit limits.

Credit score note: Estimated; SBI Card does not publish minimum on marketing page Eligible professions include: All.

If your profile is on the borderline, applying through the bank's existing-customer portal (salary account + this card) usually gives 1.5-2x the approval odds versus a cold application. The bank's pre-qualified offer (when available) skips the hard pull entirely.

When you apply for SimplySAVE SBI Card, SBI Card will ask for the documents listed below. Existing customers with a current salary account typically see a reduced list — the bank already has your KYC on file and only re-asks for income proof if your salary has changed materially in the last 12 months.

Documents you will need:

- pan card — required - aadhaar card — required - address proof — required - passport size photo — required - salary slip — required

All documents can be uploaded digitally via the bank's application portal — there is no need to visit a branch in 2026. Keep scans under 2 MB each (PDF preferred for paperwork, JPG for the photograph) and ensure your name matches your PAN exactly; a mismatch is the single most common cause of application rejection at the document-verification stage.