SBI Card
Classic · SimplySAVE UPI
SimplySAVE UPI RuPay Credit Card
SBI Card
Earn accelerated rewards on dining, groceries, and movies with UPI convenience
Annual Fee
₹499
Joining Fee
₹499
Reward Rate
0.2%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,411
Total Annual Benefits
₹3,000
Total Annual Charges
₹589
ROI
409%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (3)
10X Reward Points on Dining, Groceries & Movies
Earn 10X reward points on dining, grocery, and movie transactions
- • Applicable on dining, grocery, and movie transactions
10X RP
Reward Points on All Other Spends
Earn 1 reward point per ₹150 on all other retail spends
1 RP per ₹150
UPI Payments via RuPay
Make UPI payments using your credit card on the RuPay network
- • Only available on RuPay network
UPI enabled
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
SBI Reward Points
1 RP per ₹150 (10X on dining/grocery/movies)
Effective cashback: 0.17%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers (1 RP = ₹0.25)
- → Flights & Hotels
- → Cashback (1 RP = ₹0.20)
- → Statement Credit
Bonus Categories
Dining
10x multiplier
10X reward points on dining spends
Groceries
10x multiplier
10X reward points on grocery spends
Movies
10x multiplier
10X reward points on movie spends
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹499 Excluding 18% GST |
| Annual Fee | ₹499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹20,000
- • Self-Employed: Minimum ITR of ₹2.4 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
0 0 0
Lost Card Liability
₹1.0 L
Report within 24h
- • Lost card liability cover up to ₹1 Lakh
Airport Lounge Access
Domestic
0 visits/year
N/A
International
0 visits/year
N/A
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
UPI payments via RuPay Contactless payments EMV chip security Add-on cards available EMI conversion facility
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The SimplySAVE UPI RuPay Credit Card by SBI Card is an entry-level rewards card that offers 10X reward points on dining, groceries, and movie spends, ...
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