Research coverage — 15/16 categories
SBI · Visa / Mastercard / RuPay
SimplySAVE SBI Card
Best forGroceries & Dining
Earns10 RP/₹150 on groceries
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
₹499 + taxes
charged every year for SimplySAVE SBI Card
Fee waiver
₹1,00,000
annual spend
Network
Visa / Mastercard / RuPay
SBI
SimplySAVE SBI Card
Visa / Mastercard / RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on groceries and dining, where it earns 10 RP/₹150
- Annual fee is waived at ₹1,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Groceries10 RP/₹150
Dining10 RP/₹150
Education1 RP/₹150
Insurance1 RP/₹150
Utilities1 RP/₹150
All 16 reward categories · 15 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not eligible | — | Rent payment transactions earn no rewards per SBI policyDetails
|
| Education | 1 RP/₹150 | — | 1 Reward Point per ₹150 on education spendsDetails
|
| Insurance | 1 RP/₹150 | — | 1 Reward Point per ₹150 on insurance spendsDetails
|
| Utilities | 1 RP/₹150 | — | 1 Reward Point per ₹150 on utility bill paymentsDetails
|
| Fuel | Not eligible | — | Fuel transactions (MCC 5172, 5541, 5542, 5983) excluded from reward programDetails
|
| Groceries | 10 RP/₹150 | 5,000 RP per month | 10 Reward Points per ₹150 on Groceries & Supermarkets (MCC 5411), subject to shared monthly cap of 5,000 RP across Dining, Movies, Groceries & Departmental storesDetails
|
| Dining | 10 RP/₹150 | 5,000 RP per month | 10 Reward Points per ₹150 on Dining (MCC 5812, 5813, 5814), subject to shared monthly cap of 5,000 RP across Dining, Movies, Groceries & Departmental storesDetails
|
| Food Delivery | 1 RP/₹150 | — | 1 Reward Point per ₹150 on food delivery (or 10 RP/₹150 if dining MCC applies)Details
|
| Shopping | 1 RP/₹150 | — | 1 Reward Point per ₹150 on retail shoppingDetails
|
| Travel | 1 RP/₹150 | — | 1 Reward Point per ₹150 on travel spendsDetails
|
| Government | 1 RP/₹150 | — | 1 Reward Point per ₹150 on government spendsDetails
|
| Wallet | No reward | — | —Details
|
| Railways | 1 RP/₹150 | — | 1 Reward Point per ₹150 on railway ticket bookingsDetails
|
| FASTag | Varies | — | Depends on how the transaction is processedDetails
|
| Jewellery | 1 RP/₹150 | — | 1 Reward Point per ₹150 on jewellery spendsDetails
|
| Telecom | 1 RP/₹150 | — | 1 Reward Point per ₹150 on telecom spendsDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹499 + taxes
Renewal Fee
₹499 + taxes
charged every year for SimplySAVE SBI Card
Fee waiver
₹1,00,000
annual spend
Reward caps
- Dining / Movies / Groceries / Dept Stores (10X) — 5,000 RP / month (shared cap — Dining / Movies / Groceries / Dept Stores (10X))
Spending thresholds
- Spend ₹1,00,000 per card year → annual fee waived
- Spend ₹2,000 per card year → Welcome Offer: 2,000 Bonus Points on total purchase of ₹2,000 or more done within 60 days of receiving the card (year 1 annual fee of ₹499 paid)
Key benefits
Rewards
10 RP/₹150 on groceries
Fuel surcharge waiver
1% fuel surcharge waiver up to ₹100/month (₹500-₹3,000)
Foreign-currency markup
3.5% foreign-currency markup — Charged on every foreign-currency transaction (SimplySAVE SBI Card)
Milestone benefit
Welcome Offer: 2,000 Bonus Points on total purchase of ₹2,000 or more done within 60 days of receiving the card (year 1 annual fee of ₹499 paid)
Fee waiver
Annual fee waived on ₹1,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Dining / Movies / Groceries / Dept Stores (10X) rewards are capped at 5,000 RP / month (shared cap — Dining / Movies / Groceries / Dept Stores (10X))
- No reward on: Wallet
- Not eligible: Rent, Fuel
- Spend ₹1,00,000 per card year → annual fee waived
Who should consider this card
✓ Good fit if
- Your spending is concentrated in groceries, dining, education
- You can reach the ₹1,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, fuel, wallet, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 3 no-reward categories
Caps
- Dining / Movies / Groceries / Dept Stores (10X) — 5,000 RP / month (shared cap — Dining / Movies / Groceries / Dept Stores (10X))
Categories with no reward or not eligible
- Rent — Not eligible. Rent payment transactions earn no rewards per SBI policy.
- Fuel — Not eligible. Fuel transactions (MCC 5172, 5541, 5542, 5983) excluded from reward program.
- Wallet — No reward.
Milestones · 2 recorded
- Spend ₹1,00,000 per card year → benefit worth ₹499 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.1 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
- Spend ₹2,000 per card year — Welcome Offer: 2,000 Bonus Points on total purchase of ₹2,000 or more done within 60 days of receiving the card (year 1 annual fee of ₹499 paid). Informational milestone. Source: SimplySAVE SBI Card T&C Welcome Offer terms (page 13).
Eligibility
Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Visa / Mastercard / RuPay
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver up to ₹100/month (₹500-₹3,000)
- Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (SimplySAVE SBI Card). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
- Renewal fee ₹499 plus applicable taxes, charged every year for SimplySAVE SBI Card
- Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
- Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
- Cheque payment fee ₹200
- Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • FASTag — depends on how the transaction is processed
- • Lounge benefit — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-10-11
Verification coverage: 15 of 16 categories verified · 1 still being verified
Card record last checked: 2026-10-11
Documents used
SimplySAVE SBI Card - Terms & Conditions (Welcome Offer & Reward Points) · SBI-SIMPLYSAVE-TNC-2026 · 2026-10-11
SBI MITC · SBI MITC
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08