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City Union Bank SimplySAVE SBI Card
City Union Bank SimplySAVE SBI Card is the City Union Bank co-branded version of SBI Card's entry-level SimplySAVE card, issued on Visa or RuPay and sold through City Union Bank branches. It earns 10 reward points per ₹150 (about 1.67%) on dining, movies, departmental stores and groceries, capped at 5,000 accelerated points a month, and just 1 point per ₹150 elsewhere. The ₹499 fee is reversed on ₹1 lakh of annual spend, so it suits City Union Bank customers who want a low-cost first card for everyday grocery and eating-out spends.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.17%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 10 reward points per ₹150 (about 1.67% value) on dining and movie spends, within the shared 5,000-point monthly cap.
- Rewards rate: 0.17% base rate
- Reward redemption: Reward points can be used to pay the card bill at 4 points = ₹1, or redeemed from the SBI Card rewards catalogue.
- Domestic lounge access: Not offered
- International lounge access: Not offered
Benefits by category
- 🍽️ Dining & food delivery
1.67% reward rate (capped ₹1,250/monthly) · 10 reward points per ₹150 on dining, movies, departmental stores and groceries; these accelerated points are capped at 5,000 per month (combined), after which the base 1 point per ₹150 applies.
- 🛒 Groceries
1.67% reward rate (capped ₹1,250/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹3,000 transactions, up to ₹100 per statement cycle.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: ₹99 + taxes per redemption request, applicable on physical products, statement credit and physically delivered vouchers (SBI Card MITC).
- Foreign currency markup: 3.5%
- Interest rate: 3.75% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at all petrol pumps in India, up to ₹100 per statement cycle.
- Cash advance charges: 2.5% of the withdrawn amount, subject to a minimum of ₹500, at domestic and international ATMs; finance charges apply from the date of withdrawal.
Benefits
- 2,000 bonus reward points (worth ₹500) on spending ₹2,000 or more within the first 60 days.
- 10 reward points per ₹150 on dining, movies, departmental stores and groceries; these accelerated points are capped at 5,000 per month (combined), after which the base 1 point per ₹150 applies.
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions, up to ₹100 per statement cycle.
Pros
- + Low ₹499 annual fee, reversed on ₹1 lakh annual spend
- + About 1.67% back on dining, movies, departmental stores and groceries
- + 2,000 bonus points (₹500) for spending ₹2,000 in the first 60 days
- + Points can be used directly against the card bill (4 points = ₹1)
Cons
- − Very low 0.17% value on spends outside the accelerated categories
- − Accelerated points capped at 5,000 a month (about ₹1,250 of value)
- − Applied for through City Union Bank branches; no lounge access or travel perks