SimplySAVE SBI Card Review: For Everyday Offline Spending
SimplySAVE is SBI Card’s entry card for everyday in-person spending. It earns 10 points per ₹150 at restaurants, cinemas, grocery stores and department stores — about 1.67% — and 1 point per ₹150 elsewhere.
It is the offline counterpart of SimplyCLICK: if most of your spending is at local stores and restaurants rather than online, SimplySAVE is the better fit.
- 10 points per ₹150 (about 1.67%) on dining, movies, groceries and department stores
- Fee waived on ₹1 lakh annual spend
- 2,000 welcome points (reported)
- RuPay variant for UPI
- Easy approval
- Low 0.17% rate outside the four categories
- Accelerated points reportedly capped at 5,000 a month
- No points on fuel, rent, government or gaming
- No lounge access
- 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹499 + GST, waived on ₹1 lakh spend |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, up to about ₹100 |
Rewards: how the card earns
| Feature | SimplySAVE (offline focus) | SimplyCLICK (online focus) |
|---|---|---|
| Fee | ₹499 (waived at ₹1 lakh) | ₹499 (waived at ₹1 lakh) |
| Top rate | 10 per ₹150 on dining, movies, groceries, department stores | 10X at named online partners |
| Other online | 1 per ₹150 | 5X (capped at 10,000 a month) |
| Other offline | 1 per ₹150 | 1 per ₹100 |
| Milestones | — | ₹2,000 voucher at ₹1 lakh and ₹2 lakh online spend |
SBI Card changes: from 1 April 2026, statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000; since 1 November 2025 a 1% fee applies to wallet loads above ₹1,000 and to education payments through third-party apps.
What earns nothing
Fuel, rent, government payments (from 1 Jun 2024) and gaming (from 1 Dec 2024) earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Lounge access | None |
| Fuel | 1% surcharge waiver |
| Network | Visa, Mastercard; RuPay variant available |
Eligibility
Issuer
SBI Card
Fee
₹499 + GST
Best for
First-time and offline-focused users
Who this card is for
- Good fit: people who spend mostly at restaurants, cinemas and grocery stores in person.
- Skip if: you shop mostly online — SimplyCLICK earns more.
Alternatives worth comparing
Final verdict
A cheap, reliable card for offline everyday spending. If most of your spending is online, choose SimplyCLICK or a cashback card instead.
Frequently asked questions
What earns 10X on SimplySAVE?
Dining, movies, groceries and department stores, at 10 points per ₹150.
Is the fee waivable?
Yes, on ₹1 lakh annual spend.
How is it different from SimplyCLICK?
SimplySAVE rewards offline categories; SimplyCLICK rewards online partners and online spends.
Does it have lounge access?
No.
What changed in 2026?
SBI capped statement-credit redemption at 60,000 points a month from 1 April 2026.
Last verified: October 2026, against SBI Card’s SimplySAVE MITC and rewards notice. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.