SBI SimplySAVE UPI RuPay Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹499
₹499
3.5%
No lounge access
Contents
An entry-level RuPay credit card focused on everyday savings. It offers accelerated reward points on groceries, dining, movies and departmental store spends. Low annual fee with a waiver available on defined annual spending.
Features of SBI SimplySAVE UPI RuPay Credit Card which makes it unique
Everyday Accelerated Rewards
High reward acceleration on daily spends like groceries and movies.
Higher reward earnings on common categories.
Better than basic cards for everyday spends.
Rewards Structure of SBI SimplySAVE UPI RuPay Credit Card
Dining
acceleratedDining merchants (in-store and eligible online)
10X rewards on dining as per issuer T&Cs.
Grocery
acceleratedSupermarkets and grocery stores
10X rewards on grocery spends as per issuer T&Cs.
Movies
acceleratedTicket purchases at cinemas and select online platforms
10X rewards on movie spends as per issuer T&Cs.
Departmental Stores
acceleratedDepartmental store purchases
10X rewards on departmental store spends as per issuer T&Cs.
Base
baseAll other eligible merchants (excludes categories above)
Standard earn rate on everyday spends.
Milestones of SBI SimplySAVE UPI RuPay Credit Card
Annual Spend Waiver
₹1,00,000 : Annual fee waiver
Fees & Charges of SBI SimplySAVE UPI RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waiver on ₹1,00,000 annual spend.
Fee Explanation Standard bank interest and charges apply on overdue amounts and cash advances.
Detailed Explanation of SBI SimplySAVE UPI RuPay Credit Card Fees
Annual Fee: ₹499 (yearly)
Waived on ₹1,00,000 annual spend.
Fuel Surcharge Waiver: 1% (capped per statement cycle) (transaction)
Applicable on fuel transactions between specified amounts at select pumps.
Additional Features of SBI SimplySAVE UPI RuPay Credit Card
UPI Linking
Link your RuPay credit card with UPI apps to use credit limit for UPI transactions.
Subject to NPCI and issuer rules.
Contactless Payments
Tap-and-pay enabled where accepted.
Welcome Bonus with SBI SimplySAVE UPI RuPay Credit Card
Welcome Bonus: 2,000 reward points
Bonus Conditions: Bonus awarded after cardholder spends ₹2,000 within 60 days of card issuance.
Application Process for SBI SimplySAVE UPI RuPay Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal or partner channels
Upload KYC documents
Receive verification call or OTP
Card dispatched within standard processing timelines
Required Documents for SBI SimplySAVE UPI RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SBI SimplySAVE UPI RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Limited (RuPay acceptance depends on international arrangements)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI SimplySAVE UPI RuPay Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholders must have valid PAN and KYC-compliant identification.
How Approval Is Decided
- Applicant must be an Indian resident
- KYC-compliant identity documents
- Issuer-specific credit and income checks
Pros of SBI SimplySAVE UPI RuPay Credit Card
- Strong rewards on everyday categories
- Low fee entry-level card
- UPI-enabled RuPay acceptance
Cons of SBI SimplySAVE UPI RuPay Credit Card
- No lounge access or premium travel benefits
- Reward caps apply monthly for accelerated categories
Frequently Asked Questions about SBI SimplySAVE UPI RuPay Credit Card
How do I get the annual fee waived?
The annual fee is waived if you spend ₹1,00,000 in the previous year as per issuer policy.
Which categories earn 10X reward points?
Dining, groceries, movies and departmental store spends earn accelerated (10X) reward points subject to monthly caps and T&Cs.
Can I link this RuPay card to UPI?
Yes — the RuPay credit card can be linked to UPI apps to use your credit limit for UPI transactions, subject to NPCI and issuer rules.
Is there a fuel surcharge waiver?
A fuel surcharge waiver is available (1% with a per-cycle cap) on eligible transactions at select petrol pumps.
How do I redeem reward points?
Reward points can be redeemed through the issuer's rewards portal for vouchers, statement credits or partner redemptions as per the redemption catalogue.
What is the welcome bonus?
You receive 2,000 bonus reward points when you spend ₹2,000 within 60 days of card issuance.
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