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.
Darshil Chauhan
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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SBI Simplysave
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
Written by
Darshil Chauhan
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