I’m looking for a credit card that rewards me for everyday expenses like groceries, dining, and movies. I don’t want a card that’s too complicated, but I’d love to earn rewards on my regular spending. Does the SBI SimplySAVE Credit Card offer good benefits for someone like me?
Oh, absolutely! I was in the same boat—wanted a simple, no-fuss credit card that gave me solid rewards on my usual spending, like groceries, dining out, and shopping. That’s exactly where the SBI SimplySAVE Credit Card shines.
The biggest perk? 10X reward points on dining, movies, groceries, and departmental store purchases. This means if you’re frequently buying groceries or eating out, you’ll rack up points much faster. For all other spending, you still earn 1 reward point per ₹150 spent, which is decent for a beginner-friendly card.
The welcome bonus is another great incentive—if you spend ₹2,000 within the first 60 days, you get 2,000 bonus reward points, which can be redeemed later. Plus, there’s a ₹100 cashback on your first ATM withdrawal if done within 30 days (though I wouldn’t recommend withdrawing cash with a credit card too often because of the high interest rates).
One thing I personally love is the annual fee waiver. The card has a ₹499 annual fee, but if you spend ₹1 lakh in a year, they waive it completely. If you use the card regularly for everyday spending, hitting that threshold isn’t too difficult.
Other small but handy perks include a 1% fuel surcharge waiver (saves a bit on petrol costs) and contactless payment support for quick and secure transactions.
Overall, if you’re looking for a straightforward rewards card for everyday use, SBI SimplySAVE is a solid pick. It doesn’t have premium perks like lounge access, but for regular spending, it’s a great way to earn rewards without unnecessary complications.
The SBI SimplySAVE Credit Card is designed for those who spend frequently on everyday expenses like dining, movies, and groceries.
Benefits:
- You can earn upto 10X Reward Points on dining, movies, departmental stores, and groceries and reward Point per ₹150 spent on other categories.
- Earn ₹100 cashback on the first ATM withdrawal within 30 days.
- To get the annual fee of ₹499 waived, spend ₹1 lakh in a year
- 1% fuel surcharge waiver on transactions between ₹500 – ₹3,000.
- You may also convert big purchases into EMIs through SBI Card Flexipay.
Note:
This card is best for those who spends on groceries, dining, and movies.
On the other hand, the card not ideal for those who are luxury and premium travellers.
the SBI SimplySAVE Credit Card converts large purchases into easy EMIs but unfortunately there is no lounge access or travel perks