SBI SimplySAVE Credit Card 2025
10X Online Spends
5% Dining
Lifetime Free
₹500 Welcome
Save over ₹5,000+ every year with 10X online + 5% dining + NO FEES!
Best entry-level rewards card! SBI SimplySAVE gives 10X reward points on online spends, 5% on dining, lifetime free, and ₹500 welcome voucher.
Perfect for beginners & online shoppers!
Why Choose SBI SimplySAVE in 2025?
10X online • 5% dining • Lifetime free • Movies • Fuel waiver • Easy approval
Best for: Online shoppers, first-time card users, students
Card At a Glance
Joining Fee
₹0 (Lifetime Free)
₹0 (Lifetime Free)
Annual Fee
₹0 (Never)
₹0 (Never)
Reward Rate
10X Online | 5% Dining
10X Online | 5% Dining
Lounge Access
None
None
Forex Markup
3.5%
3.5%
Welcome Gift
₹500 Voucher
₹500 Voucher
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Never Charged) |
| Reward Points | 10X Online | 5X Dining |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (up to ₹100) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 10X points on online spends (max ₹20K/month)
- 5X points on dining, movies, groceries
- 1X points on other spends
- ₹500 welcome Amazon voucher
- 1 RP = ₹0.25 cashback
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹1 Lakh purchase protection
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X online rewards | No lounge access |
| 5X dining/movies | ₹20K online cap |
| Lifetime FREE | 3.5% forex markup |
| ₹500 welcome voucher | Basic insurance |
| Easy approval |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- Minimum Annual Income: ₹2 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit SBI Card website
- Select SimplySAVE → Apply
- Fill basic details
- Video KYC (1 minute)
- Card + ₹500 voucher in 7 days
Final Verdict – Should You Get It in 2025?
Best first rewards card! 10X online + lifetime free = ₹5,000+ value. Perfect for beginners!
Frequently Asked Questions (FAQs)
10X on all online spends?
Yes! Amazon, Flipkart (₹20K cap).
5X dining included?
Yes! Restaurants + movies + groceries.
Lifetime free guaranteed?
Yes! No fees ever.
₹500 welcome voucher?
Yes! Amazon voucher on joining.
Easy approval for students?
Yes! ₹2L income sufficient.