How to Apply for the SBI SimplySAVE Credit Card in 2026
Apply for the lifetime-free SBI SimplySAVE Credit Card with 10X reward points on dining, movies, and groceries. Eligibility and walkthrough.
FinWiz24 Editorial
The SBI SimplySAVE Credit Card is a lifetime-free rewards card with 10X reward points on dining, movies, and grocery, 2X on all other retail, 1% fuel surcharge waiver, and a milestone voucher of ₹1,000 on spends of ₹1 lakh in a year. The card is a strong choice for users who want a no-fee card with high rewards on essential categories.
Why this matters
SimplySAVE is the highest-reward lifetime-free SBI card for dining, movies, and grocery. The 10X multiplier is unmatched in the no-fee segment. If you spend ₹20,000/month on these categories, the 10X gives you 2,000 points/month, redeemable for ₹1,000 in cashback.
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How to Apply for the SBI SimplySAVE Credit Card in 2026
Common mistakes to avoid
The 10X is restricted to direct POS transactions. Swiggy, Zomato, and BookMyShow online transactions do not qualify. The 10X is also capped at 10,000 points per month — high spenders will hit the cap.
Pro tips
- Use SimplySAVE for offline dining and grocery to maximise 10X
- Track the 10,000 points/month cap in the SBI Card app
- Pair with SBI SimplyCLICK for online shopping
- Chase the ₹1,000 milestone voucher with a yearly spend of ₹1 lakh
Frequently asked questions
Is SBI SimplySAVE lifetime free?
Yes. The card has no joining or annual fee. There is no fee waiver target.
What is the 10X cap?
10X on dining, movies, and grocery is capped at 10,000 points per month.
Does the 10X apply to Swiggy?
No. The 10X is restricted to offline POS transactions.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.