SBI Card SimplySave Advantage

Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 0.5% base rate

• 🍽️ Dining & food delivery

  2.5% reward rate · 10 reward points per Rs. 150 on dining, movies, grocery and departmental store spends.

• 🛒 Groceries

  2.5% reward rate

• 🧾 Utilities

  2.5% reward rate

• ⛽ Fuel

  1% fuel surcharge waiver at fuel stations.

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 650
• Minimum monthly income: ₹15,000
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹1,00,000
• Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations.
• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.

• Welcome reward points on the first transaction.
• 10 reward points per Rs. 150 on dining, movies, grocery and departmental store spends.
• 1% fuel surcharge waiver at fuel stations.