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SimplySAVE SBI Card

The SBI SimplySAVE Credit Card offers accelerated rewards on everyday spending, such as groceries, dining, movies, and fuel, with fuel surcharge waiver and annual fee reversal. The card comes at an annual fee and renewal fee of Rs.499.

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1st Year Fee

₹499₹499
  • First year fee upto:

    ₹499

Card Fee Type

    Card Network

    10x Rewards On Everyday Purchases

    • SimplySAVE SBI Card

      1st year fee

      :  

      ₹ 499

    Apply Now
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    Updated On - 18 Feb 2026

    The SimplySAVE credit card offered by State Bank of India is designed for frequent shoppers. The card offers various benefits like a welcome bonus of 2000 bonus points worth on your first spending of Rs.2000 spent within 60 days, 10X reward points on daily essentials like groceries, dining, and movies. The card also offers an annual fee waiver on spending Rs.1 lakh or more in the previous year.   

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    Key Highlights of SBI SimplySAVE Credit Card

    SBI SimplySAVE Credit Card offers savings on various purchases or transactions that we conduct on an everyday basis.

    From accelerated reward points to spend-based rewards to a renewal fee waiver, the credit card offers more practical benefits that enable the cardholders to save while they spend on the credit card. Let's look at the features and benefits of the SimplySAVE SBI Credit Card in detail.

    1. A lifestyle credit card with a minimal renewal fee.
    2. Renewal fee waiver on milestone spends.
    3. Accelerated reward points on day-to-day spend categories.
    4. Bonus reward points within 60 days of card set-up.

    Welcome Benefit

    Earn 2,000 bonus reward points by spending Rs.2,000 or more within the first 60 days of card issuance.

    Lifestyle Benefits

    1. You earn 10 reward points for every Rs.150 you spend on movies, departmental stores, groceries, and dining. 
    2. Earn 1 reward point for every Rs.150 spent on all other categories.

    Renewal Fee Waiver

    1. Spend Rs.1 lakh or more in a membership year and get your annual fee of Rs.499 waived off.
    2. The waiver is applicable from 2nd year onwards.

    Fuel Benefits

    1% fuel surcharge waiver is provided on transactions between Rs.500 and Rs.3,000 at all petrol pumps in India. A maximum surcharge waiver of Rs.100 is offered per statement cycle.

    Global Acceptance

    The SimplySAVE SBI Card is accepted in more than 24 million outlets worldwide including 3.25 lakh outlets in India.

    Balance Transfer

    Outstanding dues from other bank credit cards can be transferred to the SimplySAVE SBI Card through the balance transfer facility. These dues are repaid in EMIs at a low interest rate.

    Flexipay

    Your purchases of Rs.2,500 and above can be converted into EMIs with Flexipay.

    Add-on Cards

    Get add-on cards for your family members above the age of 18 years.

    Contactless feature

    The SBI SimplySAVE Credit Card offers secure and hassle-free payments with its contactless feature, allowing you to tap and pay instantly without entering a PIN for transactions up to the permissible limit.

    Cash on the go 

    The card offers cash withdrawal facilities from Visa or MasterCard ATM across the globe. 

    Utility bill payment 

    The card offers easy payment of utility bills via Easy Bill Pay facility on your SimplySAVE SBI Card. 

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    Fees and Charges Associated with SimplySAVE SBI Card

    The fees and charges applicable on SimplySAVE SBI card are mentioned in the table below: 

    Type of Charge

    Fee

    Annual fee

    Rs.499

    Renewal fee

    Rs.499

    Add-on fee 

    Nil 

    Finance charge

    Up to 3.75% per month (45% per annum)

    Cash advance fee at domestic ATMs, international ATMs, and SBI ATMs

    2.5% of the transaction amount or Rs. 500 (whichever is higher)

    Cash payment fee

    Rs.250 plus applicable taxes

    Overlimit

    2.5% of overlimit amount or Rs.600 (whichever is higher)

    Late payment

    1. Rs.0 to Rs.500: NIL
    2. Rs.500 to Rs.1,000: Rs.400
    3. Rs.1,000 to Rs.10,000: Rs.750
    4. Rs.10,000 to Rs.25,000: Rs.950
    5. Rs.25,000 to Rs.50,000: Rs.1,100
    6. Rs.50,000 and above: Rs.1,300

    Foreign currency transaction fee 

    3.50% 

    Payment dishonor fee

    2% of the amount (minimum of Rs.500)

    Cheque payment fee

    Rs.200

    Card replacement

    Rs.100 to Rs.250

    Rewards redemption fee

    1. Rs.99 (only on cash redemption, gifts, and specific vouchers)
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    Eligibility Criteria

    To apply for any SBI credit card, the customers must meet certain eligibility requirements as per the bank policy. To apply for SimplySAVE SBI credit card, you need to fulfill the below mentioned eligibility criteria: 

    1. The age of the applicant should be between 21 to 70 years. 
    1. Applicants can either be salaried or self-employed. 
    1. You must have a good credit score. 
    1. Applicants should have a regular source of income. 

    Documents Required to Apply for SimplySAVE SBI Credit Card

    The bank requires specific documents based on your profession. You should keep the following ready for a smooth application process. 

    1. Identity Proof: You can submit a PAN Card, Aadhaar Card, or Voter ID. A Passport or Driving License is also accepted.  
    1. Address Proof: You must provide a Utility Bill like electricity or telephone. You can also use a Ration Card or Aadhaar Card. Income Proof for Salaried: You need to show the latest Salary Slips. The bank also asks for the last 3 months' Bank Statement.  
    1. Income Proof for Self-Employed: You must provide the latest Income Tax Returns. You also need to submit a Business Proof document.  
    1. Photographs: You should have 2 recent passport-sized color photographs.  

    The bank verifies these documents to check your repayment capacity. You must ensure that the name on your PAN card matches your bank records.  

    KYC documents, such as: 

    1. Letter issued by the National Population Register containing details of name and address 
    1. Passport (both sides) 
    1. Copy of masked Aadhaar or Virtual ID card 
    1. Voter ID Card (both sides) 
    1. Driving License (both sides) 
    1. NREGA Card 

    How to Apply for SimplySAVE SBI Card Online?

    You can visit SBI Cards official website to apply for SimplySAVE credit card online.

    Steps to apply for SBI SimplySAVE Credit Card on

    Step 1: Visit the official website of SBI and click on the 'Credit Cards' tab. 

    Step 2: Choose the SimplyCLICK SBI Card. 

    Step 3: Enter the personal details, professional details, and KYC details 

    Step 4: Fill in the online application form and click on 'Submit'. 

    Step 5: Upload and submit the required documents in the following step. 

    Upon successful submission of the application, you will receive an acknowledgement message on your registered mobile number with the Application ID. You can use the same to track your credit card application status.

    Alternatively, you can also visit the BankBazaar website to apply for SimplyCLICK SBI card by navigating to credit card section. Fill in the application form and submit it to obtain the card. 

    Get Your Credit Card Now

    FAQs on SimplySAVE SBI Card

    • What is the difference between SBI SimplySAVE Credit Card and SimplyCLICK Credit Card?

      The SBI SimplySAVE Credit Card is tailored for everyday in-store purchases, including dining, movies, groceries, and more. On the other hand, the SimplyCLICK Credit Card is specifically designed for online shopping, with most of its features and benefits centered around enhancing the online shopping experience.

    • Can my family members use the card simultaneously?

      Your immediate family members, above 18 years of age, can apply for an add-on credit card which have similar features as that of your card.

    • Am I allowed to transfer any outstanding balances on other credit cards to my SimplySAVE SBI Card?

      Yes, you can use the SBI SimplySAVE Credit Card for transferring your outstanding balance from any other credit card with their balance transfer facility.

    • Will the SBI SimplySAVE Credit Card be accepted outside India?

      Yes, the SBI SimplySAVE Credit Card will be accepted overseas and charges a foreign currency markup fee of 3.50%. Please note that this card will not be accepted in Nepal and Bhutan.

    • How do I redeem the reward points on my SBI SimplySAVE Credit Card?

      You can easily redeem your reward points through online and offline methods. Visit the SBI website to learn more about redeeming your reward points.

    • Is there an annual fee for the card?

      Yes, the card has an annual fee of Rs.499, which can be waived on spending Rs.1 lakh in a year.

    • What are the fuel benefits of SBI SimplySAVE credit card?

      SBI SimplySAVE credit card offers fuel surcharge waiver on fuel transactions between Rs.500 to Rs.3000 on any petrol pumps within the country. The maximum surcharge waiver offered is Rs.100 per statement cycle. 

    • Do my reward points earned on the SimplySAVE SBI Card expire?

      Yes, the reward points you earn have a limited lifespan. These points are valid for a period of 24 months from the date they are added to your account. If you do not use them within 2 years, they will expire and you will not be able to redeem them for gifts or statement credit. You can track the expiry dates of your points on your monthly credit card statement or through the SBI Card mobile app. 

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