All cards / Karnataka Bank
Karnataka Bank SimplySave SBI Card
A no-frills entry-level rewards card, cheap to hold and easy to get the annual fee waived, but reward earn rate is unremarkable and category acceleration isn't disclosed on Karnataka Bank's own page.
Rates and fees last verified 19 July 2026.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.67%
Card network
Visa
Card tier
Entry
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 18–65
Benefits
- 2,000 bonus reward points on initial spends after card issuance
- Earn 1 reward point for every ₹150 spent; fuel, insurance, utility and cash transactions do not earn points
- 1% fuel surcharge waiver at all fuel stations
- 2 free add-on cards for family members
- Card Protection Plan offering coverage against fraudulent charges
Pros
- + Low joining/annual fee, easily waived at ₹1L annual spend
- + 2 free add-on cards
- + Fuel surcharge waiver
Cons
- − Base reward rate is low (1 pt/₹150)
- − No lounge access or premium travel perks
Applying takes you to Karnataka Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.