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starterpointsSBI Card · Visa
SBI SimplySAVE Credit Card
Base: 1 RP per ₹150 (~0.16% value at 4 RP = ₹1). 10X on Dining, Groceries, and Cinema (~1.66% value). Reward points redeem to statement credit / catalog — no airline or hotel transfer partners.
what it costs
| joining fee | ₹499 |
|---|---|
| annual fee | ₹499 |
| how to dodge the fee | Annual fee waived on ₹1,00,000 spend in the preceding anniversary year |
| forex markup | 3.5% + GST |
how you earn
every ₹100 you swipe earns you points in SBI Reward Points.
| default | 0.16× / ₹100 |
|---|---|
| dining | 1.66× / ₹100 |
| groceries | 1.66× / ₹100 |
freebies
| welcome gift | 2,000 Reward Points on spending ₹2,000 or more within the first 60 days of card issuance |
|---|
extras
| domestic lounges | — |
|---|---|
| international lounges | — |
| who can apply | Salaried or self-employed; minimum monthly income ₹20,000+ |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.