SimplySAVE SBI Card

SBI Card · ₹499 a year · fee waived on ₹1,00,000 of annual spend

A low-fee card for everyday spending on groceries and eating out.

Base rate: 0.17% as Reward Point.

What the bank says

• 10X reward points per ₹150 on dining, movies, departmental stores and groceries
• 1 reward point per ₹150 on all other spends
• 2,000 bonus reward points worth ₹500 on spending ₹2,000 in the first 60 days
• Renewal fee reversed on annual spends of ₹1 lakh

Where it pays more

• 1.67% on dining, departmental stores and groceries (10X, 10 points per ₹150), up to 5,000 points a month

Things that catch people out

• SBI Card’s terms cap the 10X rate at 5,000 points (₹1,250) a month.
• Outside the 10X categories it earns very little: about 0.17%.

Joining fee: ₹499. Foreign currency markup: not published.

Read from SBI Card’s own page on 2026-09-16.

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