Turn your everyday spends into extraordinary savings with 10X 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
500 bonus points on spending ₹1,000 within 30 days + ₹100 cashback on first ATM withdrawal
Enter your details to get started
| Benefit | Details |
|---|---|
| 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 (4 reward points = ₹1). |
| Welcome Bonus | Receive 500 bonus reward points on spending ₹1,000 or more within the first 30 days of card issuance. |
| ATM Cashback | Get ₹100 cashback on the first ATM cash withdrawal, if done within 30 days of receiving the card. |
| Low Annual Fee | Annual fee is only ₹499 + GST |
| 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 within 30 days. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Card & Payment Services Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Shopping / Rewards |
| Type of Card | Visa / RuPay |
| Free or Paid | ₹499 Annually +GST |
The SimplySAVE Advantage SBI Credit Card is designed for everyday shoppers who wish to maximise savings on routine spending. This card is particularly suitable for individuals who frequently spend on dining, movies, groceries, and departmental stores. With accelerated reward points on these essential categories, contactless payment convenience, and a low annual fee that can be waived with modest spending, the card provides practical benefits for cost-conscious consumers looking to earn rewards on daily expenses without complicated tier systems or spending caps.
Global Acceptance: The card is accepted at over 24 million outlets worldwide, including 3,25,000 outlets across India.
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 Mastercard ATMs globally provides liquidity when needed.
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 by logging onto sbicard.com.
Flexipay: Purchases of ₹2,500 or more can be converted into monthly instalments within 30 days of transaction by logging onto sbicard.com, providing financial flexibility for larger expenses.
Contactless Payments: The card features Visa payWave contactless technology, enabling secure and convenient transactions for everyday small-ticket purchases without entering a PIN, thus making it more secure.
10 Reward Points: Cardholders earn 10 reward points per ₹150 spent on: Dining at restaurants, Movie tickets at theatres, Groceries, and Departmental stores
1 Reward Point: Accumulate 1 reward point per ₹150 on all other retail purchases.
Exclusions: Reward points are typically not earned on fuel purchases (when fuel surcharge waiver is applied), insurance premiums, utility bill payments, cash transactions, and certain financial transactions.
Accumulated reward points can be redeemed through various channels: Statement Credit (4 reward points = ₹1), Gift Vouchers, and Merchandise. Cardholders can browse the rewards catalogue on the SBI Card website or mobile app to select preferred redemption options. The accumulated reward points provide flexibility in choosing between immediate statement credit or aspirational gifts.
Bonus Reward Points: New cardholders receive 500 bonus reward points on spending ₹1,000 or more within the first 30 days of card issuance.
ATM Cashback: Cardholders receive ₹100 cashback on their first ATM cash withdrawal, provided it is done within 30 days of receiving the card.
Fuel Surcharge Waiver: Cardholders receive a 1% waiver on fuel surcharges for transactions between ₹500 and ₹3,000 at all petrol pumps across India.
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 |
|---|---|---|
| Joining Fee | ₹499 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹499 + GST | Charged every year from the second year onwards. Waived if annual spends are ₹1,00,000 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 - Salaried) | Minimum 21 years, maximum age varies between 65 to 70 years |
Age (Primary Cardholder - Self-Employed) | Minimum 25 years, maximum age varies between 65 to 70 years |
Residency | Resident of India |
Occupation | Salaried / Self-Employed / Business Owners |
Income | Regular source of income as per bank's assessment (usually 20,000 and above are considered) |
Credit Score | Good credit score (750 or above recommended) for higher approval chances |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Aadhaar Card, Passport, Driving license or Voter ID |
| Address Proof | Aadhaar Card (with first 8 digits masked), Passport, Driving Licence, Voter ID, or any utility bill |
| Income Proof | Latest salary slips (for salaried), bank statements for the last 6 months, Form 16, or Income Tax Return (ITR) copy |
| Photographs | Recent 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 SimplySAVE Advantage SBI Credit 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. |
Claim Welcome Benefits | Spend ₹1,000 within the first 30 days to receive 500 bonus reward points, and make the first ATM withdrawal within 30 days for ₹100 cashback. |
Achieve Annual Fee Waiver | Plan spending to reach ₹1,00,000 annually to waive the ₹499 annual fee from the second year onwards. |
Utilise Fuel Surcharge Waiver | Make fuel transactions between ₹500 and ₹3,000 to benefit from the 1% surcharge waiver, saving up to ₹100 per statement cycle. |
Redeem Rewards Regularly | Check the rewards catalogue periodically and redeem points for statement credit (4 points = ₹1) or merchandise to maximise value before any potential devaluation. |
Use Flexipay for Large Purchases | Convert purchases above ₹2,500 into EMIs within 30 days through the Flexipay facility by logging onto sbicard.com for better cash flow management. |
Monitor Transactions via App | Download the SBI Card mobile app to track transactions, reward points, available credit limit, and payment due dates in real-time. |
Use Balance Transfer Wisely | If carrying balances on other cards with higher interest rates, transfer them to this card at lower rates through sbicard.com. |
The SimplySAVE Advantage SBI Credit 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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