SimplySAVE Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Entry
The SimplySAVE Credit Card is an Entry Visa credit card issued by SBI Card, best suited for household spenders. It carries a joining fee of ₹499, with an interest rate of 3.5% per month. Key benefits include Everyday spending rewards and 10X grocery/dining. New cardholders get a welcome benefit of Welcome points. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,00,000/year to qualify. It falls under the Entry-level, Fuel, and Rewards category on CreditCardHunt.
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Why Choose the SimplySAVE Credit Card?
The SimplySAVE Credit Card is a Entry-tier Visa credit card issued by SBI Card, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Household spenders. With a reward rate of 10X grocery/dining and an annual fee of ₹499, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with Welcome points, which adds immediate value in the first year and helps recover the ₹499 joining fee.
SimplySAVE Credit Card Fees & Charges
| Annual Fee | ₹499 |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
SimplySAVE Credit Card Rewards & Benefits
| Reward Rate | 10X grocery/dining |
|---|---|
| Welcome Bonus | Welcome points |
| Lounge Access | None |
| Best For | Household spenders |
Key Highlights of the SimplySAVE Credit Card
- Everyday spending rewards
- 10X grocery/dining
SimplySAVE Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the SimplySAVE Credit Card
- Good for daily use — a genuine plus for anyone eyeing this entry card.
Drawbacks of the SimplySAVE Credit Card
- Limited premium perks — worth weighing before you apply.
SimplySAVE Credit Card — Frequently Asked Questions
What is the annual fee of the SimplySAVE Credit Card?
The SimplySAVE Credit Card has an annual fee of ₹499 and a joining fee of ₹499. New cardholders receive Welcome points as a welcome benefit, which helps offset the joining cost.
Does the SimplySAVE Credit Card offer airport lounge access?
No, the SimplySAVE Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the SimplySAVE Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the SimplySAVE Credit Card?
The SimplySAVE Credit Card earns 10X grocery/dining. It is best suited for Household spenders.
Credit Cards Similar to the SimplySAVE Credit Card
If you are considering the SimplySAVE Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.3/5