Save more on everyday spending with smart rewards
1% on ₹500-₹3,000 transactions (max ₹100/statement cycle)
10 RP per ₹150 on dining, movies, groceries & departmental stores; 1 RP per ₹150 on other spends
2,000 bonus reward points on spending ₹2,000 within 60 days
Enter your details to get started
| Benefit | Details |
|---|---|
| Welcome Reward | Earn 2,000 reward points on spending ₹2,000 within 60 days of card issuance. |
| Accelerated Rewards | Earn 10 reward points per ₹150 spent on dining, movies, groceries, and departmental stores. |
| Standard Rewards | Accumulate 1 reward point per ₹150 on all other retail purchases. |
| Low Annual Fee | Annual fee of ₹499 + GST, waived on annual spends of ₹90,000. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum benefit of ₹100 per statement cycle. |
| Flexible Payment Options | Convert purchases of ₹2,500 or more into easy monthly instalments through Flexipay. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Karnataka Bank in partnership with SBI Card & Payment Services Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Savings / Rewards |
| Type of Card | Visa / RuPay |
| Free or Paid | ₹499 Annually + Taxes |
The Karnataka Bank SimplySAVE SBI Card is designed for value-conscious consumers who wish to maximise savings on everyday spending. This card is particularly suitable for individuals who frequently spend on dining, movies, groceries, and departmental stores. With accelerated reward points on these categories and a low annual fee that can be waived with modest spending, the card provides practical benefits for cost-aware shoppers looking to earn rewards on routine expenses.
Global Acceptance: The card is accepted at over 24 million outlets worldwide, including 3,25,000 outlets in India, ensuring versatility for both domestic and international transactions.
Add-on Cards: Cardholders can provide supplementary cards to family members (parents, spouse, children, or siblings above 18 years of age) at no additional cost.
Cash Withdrawals: Access to over 1 million Visa or RuPay ATMs globally.
Utility Bill Payments: The Easy Bill Pay facility allows convenient settlement of electricity, mobile, telephone, and other utility bills directly through the credit card.
Balance Transfer on EMI: Outstanding balances from other banks' credit cards can be transferred to this card at lower interest rates, with repayment through easy EMIs.
Flexipay: Purchases of ₹2,500 or more can be converted into monthly instalments within 30 days of transaction.
Contactless Payments: The card features Visa payWave/RuPay Contactless technology, enabling secure and convenient tap-to-pay transactions for everyday purchases.
10 Reward Points: Cardholders earn 10 reward points per ₹150 spent on dining at restaurants, movie tickets, groceries, and departmental stores.
1 Reward Point: Accumulate 1 reward point per ₹150 on all other retail purchases.
Accumulated reward points can be redeemed through various options: Statement Credit (4 reward points = ₹1), Gift Vouchers from partner brands, and Merchandise from the rewards catalogue. Cardholders can browse the rewards catalogue on the SBI Card website or mobile app to select preferred redemption options.
Welcome Reward Points: New cardholders receive 2,000 reward points upon spending ₹2,000 or more within 60 days of card issuance.
Redemption: These bonus points can be redeemed for cash credit against the outstanding balance or for items from the rewards catalogue.
Fuel Surcharge Waiver: Cardholders receive a 1% waiver on fuel surcharges for transactions between ₹500 and ₹3,000 at all petrol pumps across India, with a maximum benefit of ₹100 per statement cycle.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Annual Fee | ₹499 + GST | One-time charge when the card is issued. |
| Renewal Fee (annually) | ₹499 + GST | Charged every year. Waived on annual spends of ₹90,000 or more. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards for family members. |
| Fuel Surcharge Waiver | 1% | On transactions between ₹500–₹3,000, maximum benefit of ₹100 per statement cycle. |
| Criteria | Details |
|---|---|
Age (Primary Cardholder) | Minimum 21 years |
Maximum Age | Up to 70 years |
Occupation | Both Salaried and Self-Employed are eligible |
Income | Regular source of income as per bank's assessment |
Credit Score | 750 or above recommended for better approval chances |
Other Criteria | Strong credit score, valid PAN card, valid Aadhaar card or government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Address Proof | Voter ID, driving licence, or passport |
| Income Proof | Income Tax Returns (ITR), salary slips, or bank statement |
| Photographs | Passport-size photographs |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Karnataka Bank SimplySAVE SBI Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Accelerated Rewards | Use the card for dining, movies, groceries, and departmental store purchases to earn 10 reward points per ₹150. |
Meet Welcome Bonus Threshold | Ensure spending of ₹2,000 within the first 60 days to receive 2,000 welcome reward points. |
Utilise Fuel Surcharge Waiver | Make fuel transactions between ₹500 and ₹3,000 to benefit from the 1% surcharge waiver (maximum ₹100 per cycle). |
Redeem Rewards Regularly | Check the rewards catalogue periodically and redeem points for statement credit (4 points = ₹1) or merchandise. |
Use Flexipay for Large Purchases | Convert purchases above ₹2,500 into EMIs within 30 days through the Flexipay facility for better cash flow management. |
Monitor Transactions via App | Download the SBI Card mobile app to track transactions, reward points, and payment due dates in real-time. |
Set Up Transaction Alerts | Enable SMS and email alerts through Simply SMS service to stay informed about spending and prevent fraud. |
The Karnataka Bank SimplySAVE SBI Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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