SimplySAVE

Joining ₹0 · Annual ₹0 · LTF for this account (standard ₹499, waived on ₹1L annual spend, otherwise)

Earns Reward Points · assumed 0.25 ₹/point. 4 RP = ₹1 as statement credit or vouchers. ₹99 + GST redemption fee

Verified 13 Aug 2026

Forex markup3.5%

Fuel surcharge1% on ₹500 to ₹3,000 transactions, capped ₹100/cycle

EMINil on 3 months, then ₹45 at 6, ₹69 at 9, ₹89 at 12, ₹129 at 18 and ₹169 at 24 months, and only on purchases of ₹20,000 or more processing fee · A converted purchase stops earning rewards · The kindest fee structure here. There is nothing at all to pay on a 3 month plan, and the fee only bites once the purchase reaches ₹20,000. Minimum ₹2,500 to convert. Converting an already billed amount is a separate product costing 1% capped at ₹2,000. · Reward points on a transaction converted to Flexipay EMI are forfeited, and they are not credited back if the EMI is later foreclosed.

Return by category

Category	Return	Notes
Online spend	0.17%	Base rate
Amazon	0.17%	Base rate
Flipkart	0.17%	Base rate
Subscriptions & OTT	0.17%	Base rate
Offline spend	0.17%	Base rate
UPI spending	0%	Visa, Mastercard and Amex credit cards can't be linked to UPI. RuPay is the only network NPCI allows for credit-on-UPI. SBI does issue SimplySAVE on RuPay, which supports UPI at the base rate. This is the Visa variant.
Dining	1.67%	Shared 5,000 accelerated RP/month across dining, groceries, movies & department stores (≈₹75,000 spend) · 10 RP per ₹150
Swiggy	1.67%	Uses its dining rate
Zomato	1.67%	Uses its dining rate
Groceries	1.67%	Shared 5,000 accelerated RP/month · 10 RP per ₹150. Includes departmental stores
Quick commerce	1.67%	Uses its groceries rate
Swiggy Instamart	0.17%	Base rate
Blinkit	0.17%	Base rate
BigBasket	1.67%	Uses its groceries rate
Movies & shows	1.67%	Shared 5,000 accelerated RP/month · 10 RP per ₹150
BookMyShow	1.67%	Uses its movies rate
PVR INOX	1.67%	Uses its movies rate
Fuel	0%	No points on fuel (1% surcharge waiver only)
Travel (general)	0.17%	Base rate
Flights	0.17%	Base rate
Hotels	0.17%	Base rate
MakeMyTrip	0.17%	Base rate
IRCTC rail	0.17%	Base rate
International	−3.33%	0.17% reward − 3.5% forex markup
Utilities & bills	0%	Excluded from rewards (SBI-wide list. 1% fee above ₹50k/cycle), 3-source support, worth re-verifying against current MITC
Rent	0%	No points, plus SBI's rent processing fee
Education fees	0%	Excluded. 1% fee via third-party apps
Insurance premiums	0%	Insurance payments excluded
Government & tax	0%	Government transactions earn nothing
Wallet loads	0%	Wallet loads earn nothing
Anything else	0.17%	Base rate
Jewellery	0.17%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Free add-on cards
Also issued on Mastercard and RuPay (RuPay variant supports UPI at base rate)
Welcome offer: 2,000 bonus reward points worth ₹500 on spending ₹2,000 or more in the first 60 days

Other exclusions

Reward points on a transaction converted to Flexipay EMI are forfeited, and they are not credited back if the EMI is later foreclosed.

SBI Card SimplySAVEBest for Offline basics2.9 / 5

What we liked

1.67% on movies, groceries and dining
Often issued lifetime free, and it is only defensible that way

What to mind

The 0.17% base is the weakest earn on this site
The 10X points cap at 5,000 a month, then even the good categories slow to the base rate

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?