SimplySAVE Advantage SBI Card
Last Updated : July 9, 2025, 4:14 p.m.
The SimplySAVE Advantage SBI Card is a smart, everyday rewards credit card offered by the SBI Card. It’s designed to help you earn accelerated rewards on daily spends such as dining, groceries, movies, and departmental stores. With benefits like 10X reward points, fuel surcharge waiver, global acceptance, and contactless payments, it delivers excellent value for a modest annual fee of ₹499. Let’s explore all the key features of the SimplySave card, charges, eligibility criteria, application process, etc.
Features & Benefits of SimplySAVE Advantage SBI Card
10X Reward Points
Get 10 reward points per ₹150 spent on
- Dining
- Movies
- Departmental stores, and
- Grocery purchases.
- Accrue 1 reward point for each ₹150 on all other spends.
- Redeem your points to pay card outstanding or for a wide range of products like electronics, apparel, homeware, travel, and more.
- 4 Reward Points = ₹1
Worldwide Acceptance
- Accepted at over 24 million outlets worldwide.
- In India, it is accepted at more than 3.25 lakh outlets.
Fuel Surcharge Waiver
- Get 1% fuel surcharge waiver at petrol pumps across India.
- Eligible on transactions of ₹500–₹3,000.
- Maximum waiver: ₹100 per statement cycle.
Contactless Payments
- Tap & Pay for quick and secure transactions under ₹5,000.
- No need to hand over your card or enter a PIN.
- Enhanced safety with Visa payWave/Mastercard Contactless.
Add-on Cards
- Get free add-on cards for your parents, spouse, children, or siblings above 18 years of age.
Cash on the Go
- Withdraw cash from more than 1 million ATMs across the globe.
Utility Bill Payments
- Use the Easy Bill Pay facility to pay telephone, electricity, mobile, and other utility bills directly.
Balance Transfer on EMI
- Transfer outstanding balances from other credit cards to this card.
- Enjoy lower interest rates and flexible EMI repayments.
Flexipay
- Convert transactions of Rs. 2,500 or more into easy EMIs.
- Must convert the amount within 30 days of purchasing through sbicard.com.
SimplySAVE Advantage SBI Credit Card Fees and Charges
| Fee Type | Amount/Details |
|---|---|
Joining Fee | ₹499 |
Renewal Fee | ₹499 per annum (waived if annual spend ≥ ₹1 lakh) |
Add-on Card Fee | Nil |
Cash Advance Fee | 2.5% of amount or ₹500, whichever is higher |
Interest-Free Credit Period | 20–50 days (if previous dues are cleared in full) |
Finance Charges (Interest) | Up to 3.75% per month (45% p.a.) |
Late Payment Fee | ₹0 to ₹1,300 (based on outstanding balance) |
Overlimit Fee | 2.5% of the excess amount or Rs. 600 (Whichever is higher) |
Payment Dishonor Fee | 2% of payment amount (Min ₹500) |
Utility Bill Payment Fee | 1% if utility bill payments are over ₹50,000 in a cycle |
Rewards Redemption Fee | ₹99 |
Card Replacement Fee | ₹100 |
Cheque Payment Fee | ₹100 |
Cash Payment Fee | ₹250 + taxes |
Foreign Currency Transaction Fee | 3.5% |
Rent Payment Processing Fee | ₹199 |
Balance Transfer EMI Rates | 0% for 60 days, or 1.7% per month for 180 days |
Eligibility Criteria of SBI SimplySAVE Advantage Credit Card
To be eligible for the SimplySAVE Advantage SBI Card:
- Age: Minimum 21 years (Salaried), 25 years (Self-employed)
- Residency: Indian resident
- Income: Stable monthly income (Generally ₹20,000+)
- Credit History: Must have a decent credit score with zero missed payments.
Documents Required for SimplySAVE Advantage SBI Card
The following are the documents you’ll require to apply for the card:
- Identity proof:
- Voter ID
- Driver’s license
- PAN card
- Aadhaar, or
- Passport
- Proof of Address: Utility bills, Aadhaar, or Passport
- Proof of Income: Salary slips, ITR, or Bank Statements (last 3 months)
- Passport-size Photograph
SimplySave Advantage SBI Card Vs Amazon Pay ICICI Vs HDFC MoneyBack+ Card
| Feature | SimplySAVE Advantage SBI Card | Amazon Pay ICICI Card | HDFC MoneyBack+ Card |
|---|---|---|---|
Joining Fee | ₹499 | ₹0 (Lifetime Free) | ₹500 |
Renewal Fee | ₹499 (Waived on ₹1L spend) | ₹0 | ₹500 (Waived on ₹50K spend) |
Online Rewards | 10X on dining, movies, groceries | 5% cashback on Amazon (Prime) spends, 1% on other payments. | 10X on Amazon, Flipkart, 2X on others |
Fuel Surcharge Waiver | 1% fuel surcharge waiver on spends in the range of ₹500–₹3,000 (1% up to ₹100/month) | No |
|
Global Acceptance | Yes | Yes | Yes |
Lounge Access | No | No | No |
When Should You Choose the SimplySAVE Advantage SBI Card?
Choose this card if:
- You frequently spend on groceries, movies, and dining.
- You want a simple, all-purpose rewards card for offline spends.
- You need international acceptance with Visa/Mastercard.
- You want contactless convenience and high security.
- You prefer a card with free add-on cards for family.
- You can spend ₹1,00,000/year to get the annual fee reversed.
How to Pay Your SimplySAVE Advantage SBI Card Bill?
SimplySAVE Advantage SBI Card bill payments can be made through:
- SBI YONO App – Quickest method for SBI account holders to pay their credit card bills.
- UPI – SBI Credit Card bills via UPI , Pay using SBI Card’s PayNet using any UPI app.
- Net Banking / NEFT – For making SimplySAVE Advantage SBI Credit Card bills via NEFT , add SBI Card as a beneficiary (IFSC: SBIN00CARDS).
- Auto-Debit – Set up auto-debit for full or minimum due.
- BillDesk / Debit Card – Use the sbicard.com payment portal.
- Cash / Cheque – Pay at SBI branch (fees applicable).
Conclusion
The SimplySAVE Advantage SBI Card is a value-packed rewards card for everyday purchases. If you dine out often, shop for groceries, and want to save on fuel and utility bill payments — all while earning points — this card is an excellent pick. With contactless technology, worldwide usage, free add-on cards, and spend-based fee waivers, it combines savings, flexibility, and convenience in one package. If your focus is more on offline rewards and saving on essential spends, this is one of the best cards available in the ₹499 fee range.
Frequently Asked Questions (FAQs)
