SBI SimplySAVE Credit Card – A Complete Guide to Features, Benefits & Application

The SBI SimplySAVE Credit Card continues to be a top choice in 2025 for those who want smart rewards on daily expenses. Whether you’re out dining, picking up groceries, or booking movie tickets, this card helps you save more every time you swipe. It’s no wonder it remains one of the best credit cards in India for value-conscious users.

In this guide, we’ll walk you through all the latest features, benefits, charges, and how to apply for SBI credit card online with ease.

Key Features of SBI SimplySAVE Credit Card (Updated for 2025)

🔹 Welcome Bonus

Spend ₹2,000 or more within the first 60 days and earn 2,000 bonus Reward Points.

🔹 Reward Points Program

Earn 10x Reward Points on dining, movies, groceries, and departmental store purchases (₹150 = 10 points).
Get 1 Reward Point per ₹150 spent on all other purchases.
Redeem your points against gift vouchers or to reduce your outstanding bill.

🔹 Fuel Surcharge Waiver

Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at petrol stations across India.

🔹 Fee Waiver on High Spends

Spend ₹1,00,000 or more in a year and your renewal fee gets waived.

🔹 Worldwide Acceptance

Accepted at over 24 million outlets globally, including 3.25 lakh stores in India.

🔹 Additional Benefits

Balance Transfer on EMI: Lower your interest by transferring outstanding balances from other cards.
Flexipay: Convert big-ticket purchases (above ₹2,500) into easy monthly EMIs.
Utility Bill Payments: Manage your bills seamlessly via SBI Card’s platform.

Fees and Charges

Type	Amount
Annual Fee	₹499 (one-time)
Renewal Fee	₹499 per annum
Reward Redemption Fee	₹99 per request

Benefits of Choosing the SBI SimplySAVE Credit Card

High rewards on your everyday lifestyle expenses like dining, movies, and groceries.
Pocket-friendly annual fee with a renewal fee waiver option.
Fast and secure contactless payments for added convenience in 2025.

Whether you’re exploring credit cards for the first time or upgrading for better rewards, the SBI SimplySAVE Credit Card is an excellent choice for 2025.

How to Apply for SBI Credit Card Online

Follow these quick steps to apply:

Visit moneyyogya.in
Explore the credit card options and select the SBI SimplySAVE Credit Card
Fill out the online application with your details
Upload required documents for verification
Submit and track your application status

Frequently Asked Questions (FAQs)

Who is eligible to apply for the SBI SimplySAVE Credit Card?
Anyone aged 18–65 with a stable income and good credit score can apply.
How can I earn Reward Points with the SBI SimplySAVE Credit Card?
Get 10x Reward Points on specific categories like dining and movies. All other spending gets you 1 point per ₹150.
What is the annual fee for the SBI SimplySAVE Credit Card?
The annual fee is ₹499, but it can be waived if you spend ₹1,00,000 annually.
Can I apply for the SBI SimplySAVE Credit Card online?
Yes — go to moneyyogya.in and follow the online application process.
What documents are required to apply?
You’ll need identity proof, address proof, and income proof (e.g. payslip, IT return).
Is the SBI SimplySAVE Credit Card contactless?
Yes, it’s equipped with contactless payment technology for faster transactions.
How can I pay my SBI credit card bill?
You can use NEFT, SBI Card app, BillDesk, or even offline via cheque and bank branches.
Does this card offer any benefits on fuel transactions?
Yes, enjoy a 1% fuel surcharge waiver on eligible fuel spends.
Can I convert large purchases into EMIs?
Yes — purchases above ₹2,500 can be converted using the Flexipay option.
Is there a lifetime free version of this card?
Not exactly, but the annual fee is waived with ₹1,00,000 annual spend.

Conclusion

In 2025, the SBI SimplySAVE Credit Card still stands out as one of the best value-for-money cards in India. It’s built for people who want savings on daily spends without high annual fees.

Ready to start saving more? Visit moneyyogya.in today and apply for the SBI SimplySAVE Credit Card to unlock exclusive perks!