I’ve been using the SBI SimplySAVE Credit Card for a while now, but I feel like I need a better card with higher rewards, better benefits, or a higher credit limit. How can I upgrade my SimplySAVE card, and which SBI card should I upgrade to?
SBI allows card upgrades based on your usage, payment history, and income. If you’ve been using your card regularly, paying bills on time, and have a good credit score (750+), you might get a pre-approved upgrade offer via SMS, email, or on the SBI Card app/website. This is the easiest way—just accept the offer, and your new card will be issued.
If you haven’t received an offer but still want to upgrade, you can request it manually by calling SBI Card customer care (1860 180 1290) or sending an email through their website. They might ask for income proof (latest salary slips, bank statements, or ITRs) if you’re switching to a higher-tier card.
As for which card to upgrade to, it depends on your spending:
- If you shop online a lot, the SBI Cashback Credit Card is great, with 5% cashback on online transactions.
- If you want a more premium experience, the SBI Prime Card offers higher rewards on groceries, dining, and travel, plus free lounge access.
- If you spend a lot on movies and dining, the SBI Elite Card comes with movie ticket benefits and luxury perks.
I upgraded my SimplySAVE card after a year of usage when I realized I was spending more online and needed a better cashback card. The process was simple, and the new card came within a few days. If your spending habits have changed, upgrading is definitely worth considering!