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SBI SimplySAVE UPI RuPay Credit Card
RuPay
SBI SimplySAVE UPI RuPay Credit Card
This is a UPI-native RuPay spin-off of SBI Card's long-running SimplySAVE franchise, built so cardholders can link it to any UPI app and keep earning accelerated rewards on everyday dining and grocery spends via scan-and-pay. It's a low-cost entry card rather than a premium rewards product.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.66%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.66% base rate
Benefits by category
- 🍽️ Dining & food delivery
6.6% reward rate (capped ₹5,000/monthly) · 10X reward points on dining, movies, grocery and department store spends.
- 🛒 Groceries
6.6% reward rate (capped ₹5,000/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on transactions between Rs 500 and Rs 3,000, capped at Rs 100 per statement cycle.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
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
- 2,000 bonus reward points on spending Rs 2,000 or more within 60 days of card activation.
- 10X reward points on dining, movies, grocery and department store spends.
- 1% fuel surcharge waiver on transactions between Rs 500 and Rs 3,000, capped at Rs 100 per statement cycle.
- RuPay network lets the card be linked to UPI apps like Google Pay, PhonePe and Paytm for reward-earning UPI payments.
Pros
- + Can be linked to UPI apps for reward-earning RuPay payments
- + Strong 10X accelerated rewards on dining, movies and groceries
- + Low, easily-waived annual fee
- + Straightforward welcome bonus with a low spend threshold
Cons
- − No lounge access or travel perks
- − Reward points excluded on rent, government and fuel transactions