SBI Simply Save Credit Card Review 2025

What Is the SBI Simply Save Credit Card?

The SBI Simply Save Credit Card is designed for everyday spending. It helps you earn rewards when you shop for groceries, dine out, watch movies, or fill fuel. It’s perfect for those who use their credit card regularly but don’t want to pay high annual fees.

Key Benefits of the SBI Simply Save Credit Card

Here’s why many people choose this card in 2025:

1. Reward Points on Daily Spending

• You earn 10 reward points for every ₹100 spent on movies, groceries, dining, and departmental stores.

• You get 1 reward point for every ₹100 spent on other purchases.

2. Welcome Gift

• Get 2,000 bonus reward points when you spend ₹2,000 within the first 60 days.

3. Fuel Surcharge Waiver

• Save 1% on fuel surcharge at petrol pumps across India for transactions between ₹500 and ₹3,000.

4. Easy EMI Option

• Convert large purchases into affordable EMIs and pay over time without stress.

5. Contactless Payments

• The card supports tap-and-pay technology for faster and safer payments.

SBI Simply Save Credit Card Fees

• Joining Fee: ₹499 (one-time)

• Renewal Fee: ₹499 per year (waived if you spend ₹1 lakh in a year)

• Finance Charges: Up to 3.5% per month (42% annually)

These fees make the SBI Simply Save Credit Card a budget-friendly option for beginners and regular users.

Who Should Get the SBI Simply Save Credit Card?

The SBI Simply Save Credit Card is ideal for:

• People who spend mostly on groceries, food, and entertainment.

• First-time credit card users looking for easy rewards.

• Those who want a low-cost card with strong everyday benefits.

If you don’t shop online often and prefer using your card for daily offline spending, this card fits perfectly.

How to Apply for the SBI Simply Save Credit Card

You can easily apply online through the official SBI Card website.

Just fill in your basic details, upload documents like PAN, Aadhaar, and income proof, and you’ll get quick approval if you meet the eligibility criteria.

Final Review: Is It Worth It in 2025?

Yes — the SBI Simply Save Credit Card is still one of the best options for 2025 if you want a simple, rewarding card for everyday use. It gives you good cashback value, easy reward redemption, and useful features without heavy charges.

If your goal is to save more while spending smartly, the SBI Simply Save Credit Card is definitely worth considering.