What is the SBI SimplySAVE UPI Rupay Credit Card best suited for?

The SBI SimplySAVE UPI Rupay Credit Card is ideal for first-time credit users and individuals looking to save on daily expenses like groceries, dining, and movies.

What are the welcome benefits of the SBI SimplySAVE UPI Rupay Credit Card?

You receive 2,000 bonus Reward Points (worth ₹500) on spending ₹2,000 or more within the first 60 days of card activation with the SimplySAVE UPI Card.

How can I waive the annual fee for my SBI SimplySAVE UPI Rupay Credit Card?

The ₹499 + GST renewal fee for the SBI SimplySAVE UPI Rupay Credit Card can be waived if your annual spending exceeds ₹1,00,000 in the preceding year.

Does the SBI SimplySAVE UPI Rupay Credit Card offer lounge access?

No, the SBI SimplySAVE UPI Rupay Credit Card does not provide complimentary domestic or international airport lounge access.

What is the reward rate on the SBI SimplySAVE UPI Rupay Credit Card?

Earn 10 Reward Points per ₹150 spent on dining, movies, departmental stores, and groceries, and 1 Reward Point per ₹150 on all other eligible spends with this card.

What are the foreign currency markup charges on the SBI SimplySAVE UPI Rupay Credit Card?

The SBI SimplySAVE UPI Rupay Credit Card has a foreign currency markup of 3.5% on all international transactions.

Is the SBI SimplySAVE UPI Rupay Credit Card UPI enabled?

Yes, the SBI SimplySAVE UPI Rupay Credit Card is UPI enabled, allowing you to link it with any UPI app for seamless daily payments.

Are there any insurance benefits with the SBI SimplySAVE UPI Rupay Credit Card?

The SBI SimplySAVE UPI Rupay Credit Card does not offer any specific insurance benefits or coverage.

What are the fuel surcharge waiver benefits on the SBI SimplySAVE UPI Rupay Credit Card?

Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle, with your SimplySAVE UPI card.

What are the redemption options for SBI SimplySAVE UPI Rupay Credit Card reward points?

You can redeem points for gift vouchers, pay outstanding card balances, or choose products from the rewards catalogue via SBI Card website or app.

State Bank of India

SBI SimplySAVE UPI Rupay Credit Card

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Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Receive 2,000 bonus Reward Points (worth ₹500) on spending ₹2,000+ within 60 days of activation.

Rewards Rate

Earn 10 Reward Points per ₹150 on Dining, Movies, Dept. Stores, Groceries (1.7% reward rate).

Reward Type

Reward Points

Reward Redemption

Redeem points for gift vouchers, to pay outstanding balance, or against gifts from rewards catalogue.

Domestic Lounge Access

The card does not offer complimentary domestic airport lounge access.

International Lounge Access

The card does not offer complimentary international airport lounge access.

Premium Benefits

Not Applicable

Insurance Coverage

The card does not offer any specific insurance benefits.

Movie

Earn 10 Reward Points for every ₹150 spent on Movies, Dining, Departmental Stores, and Groceries.

Dining

Earn 10 Reward Points for every ₹150 spent on Dining, Movies, Departmental Stores, and Groceries.

Travel Benefits

The card lacks advanced travel benefits, such as airport lounge access.

What matters, explained clearly

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Frequently Asked Questions

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