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SBI Card SimplySave Advantage
Visa
SBI Card SimplySave Advantage
An entry-level everyday-spend card that pairs a modest fee with accelerated rewards on dining, groceries and departmental stores. It functions as a lighter-fee sibling to SBI's standard SimplySave card for first-time cardholders.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
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 & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🍽️ 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
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 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.
Pros
- + Low fee with an achievable waiver threshold
- + Accelerated rewards on common everyday categories
- + Fuel surcharge waiver
Cons
- − Modest base reward rate
- − No travel or lounge perks