SBI SimplySAVE UPI RuPay Credit Card

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 rate: 0.66% base rate

• 🍽️ 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

• Minimum credit score: 700
• Minimum monthly income: ₹20,000
• Employment: salaried, self-employed
• Age: 21–60

• 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 on transactions between Rs 500 and Rs 3,000, capped at Rs 100 per statement cycle.
• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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.

• 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.