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SBI SimplySAVE Credit Card Review (2026) – Quick Summary.
In this SBI SimplySAVE Credit Card Review (2026), we will explore the benefits and features that make it a suitable choice for everyday spending.
- Best for: Offline grocery, dining, departmental store spending
- Reward rate: ~1.7% on 10x categories
- Annual fee: ₹499 + GST (waived on ₹1 lakh yearly spend)
- Redemption fee: ₹99 + GST
- Lounge access: No
- UPI support: Yes (RuPay variant)
If most of your money goes offline, this card makes sense.
If you’re mostly an online shopper, there are better options.
Now let’s go deeper.
Should we This Card Still Exists in 2026?
If you follow credit card news, everything is about online cashback now.
5% on Amazon.
10% on Swiggy.
Travel rewards.
Metal cards. Offline spending feels ignored. But here’s something most people forget: a large percentage of Indian households still spend heavily on groceries, dining, clothing stores, and in-person purchases. That’s the gap SBI SimplySAVE fills. It isn’t flashy. It isn’t premium. It’s practical. And practical sometimes beats trendy.
Lets Talk About 10x Reward Points Actually Means
The card advertises: “10x Reward Points on Dining, Movies, Departmental Stores & Groceries.”
Most people assume that means 10% cashback. It doesn’t.
For those considering this option, let’s dive deeper into the specifics of the SBI SimplySAVE Credit Card Review (2026).
Here’s how it actually works:
Base rate: 1 reward point per ₹150
10x category: 10 reward points per ₹150
1 reward point value: ₹0.25
Example:
If you spend ₹1,500 at a restaurant:
₹1,500 ÷ 150 = 10 units
10 units × 10 points = 100 points
100 × ₹0.25 = ₹25 value
Effective return ≈ 1.7%
That’s the real number.
Is 1.7% amazing? No.
Is it good for offline spending? Yes Most entry-level cards give 0.2%–0.5% on offline swipes. Compared to that, nearly 2% is respectable
Where This Card Actually Helps
Grocery Spending
Supermarkets like Reliance Smart, More, Spencer’s, D-Mart — if your monthly grocery bill is ₹10,000+, this card consistently generates points instead of zero returns via UPI or debit card.
Dining
Restaurants, cafés, casual dining chains. Physical swipe works best. Online food delivery may not always trigger bonus rate.
In this SBI SimplySAVE Credit Card Review (2026), we will analyze where this card actually helps the most.
Departmental Stores
Shoppers Stop, Westside, Pantaloons, Lifestyle. Clothing purchases during festive sales can generate meaningful yearly rewards.
Movies
Cinema hall purchases (PVR, INOX) qualify under bonus category.
Annual Reward Simulation (Realistic Household Example)
Let’s assume:
Groceries: ₹12,000/month
Dining: ₹5,000/month
Departmental stores: ₹3,000/month
Total monthly = ₹20,000
Yearly spend = ₹2,40,000
Through this SBI SimplySAVE Credit Card Review (2026), let’s look at an annual reward simulation to understand benefits better.
At ~1.7% return → ₹4,000 approx yearly rewards
Annual fee = ₹499 + GST (~₹590)
Net benefit ≈ ₹3,400+
Not life-changing.
But steady savings on money you’re already spending.
Fees You Must Know
Annual fee: ₹499 + GST
Waived on ₹1,00,000 annual spend
Redemption fee: ₹99 + GST per redemption
Tip: Redeem only when you have 2,000+ points
Understanding the fees is crucial; this SBI SimplySAVE Credit Card Review (2026) explains what you must know.
Finance charges: 3.5% per month
Always pay full statement amount.
SimplySAVE vs SimplyCLICK
If your spending is offline → SimplySAVE
If your spending is online → SimplyCLICK
In comparing options, this SBI SimplySAVE Credit Card Review (2026) highlights the differences between SimplySAVE and SimplyCLICK.
SimplySAVE rewards grocery & dining.
SimplyCLICK rewards Amazon & online partners.
Choose based on your lifestyle, not marketing.
RuPay + UPI Advantage
The RuPay variant allows linking with PhonePe, Google Pay, BHIM. You can scan QR codes and pay via credit. This makes the card more practical for daily small payments. If applying, select the RuPay version.
When discussing advantages, this SBI SimplySAVE Credit Card Review (2026) emphasizes its compatibility with UPI.
Pros
The pros outlined in this SBI SimplySAVE Credit Card Review (2026) showcase its benefits for everyday users.
✔ Solid rewards on grocery & dining
✔ Low annual fee, easy waiver
✔ Works on UPI (RuPay variant)
✔ Beginner-friendly approval
While there are cons, this SBI SimplySAVE Credit Card Review (2026) also discusses how it fits various spending habits.
If you want 5% Cashback on Online Shopping, check our SBI Cashback Credit Card Review
Cons
Ultimately, this SBI SimplySAVE Credit Card Review (2026) provides a final verdict to help you decide.
For those considering practical options, this SBI SimplySAVE Credit Card Review (2026) may be what you need.
✘ Weak online rewards
✘ Redemption fee
✘ No airport lounge access
✘ 3.5% forex markup
This SBI SimplySAVE Credit Card Review (2026) is designed to give you a clear picture of what to expect.
In summary, this SBI SimplySAVE Credit Card Review (2026) highlights its practicality for everyday spending.
Final Verdict
SBI SimplySAVE is not designed to impress. It’s designed to work.
If most of your money goes into groceries, restaurants, and offline shopping, it makes sense. If you’re primarily an online spender, look elsewhere.
It’s a dependable entry-level card for practical, everyday spending.