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Bank of Maharashtra SimplySAVE SBI Card VS KVB SBI Card PRIME

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 July 2026
Bank of Maharashtra SimplySAVE SBI Card
Bank of Maharashtra SimplySAVE SBI Card
KVB SBI Card PRIME
KVB SBI Card PRIME

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹2,999 + GST
Renewal Fee₹499 + GST
Renewal Fee₹2,999 + GST
Spend Based WaiverWaived if annual spends for the preceding year are Rs. 1,00,000 or more.
Spend Based WaiverRenewal fee waived on annual spends of ₹3 lakhs.
Foreign Transaction Fees
Foreign Transaction Fees
Interest Rate (APR)
Interest Rate (APR)

Rewards & Benefits

Welcome BonusSpend Rs. 2,000 in 60 days for 2,000 Bonus Reward Points (worth Rs. 500).
Welcome BonusReceive a welcome e-Gift Voucher worth ₹3,000, redeemable at brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
Rewards RateEarn 10X Reward Points per Rs. 150 on dining, movies, departmental stores & groceries; 1 RP per Rs. 150 on others.
Rewards RateEarn 20 RP/₹100 on utility bill payment standing instructions (capped at 3000 points, then 2 RP/₹100). Get 10 RP/₹100 on dining, departmental stores & grocery. Earn 2 RP/₹100 on other retail spends (excl. fuel). 20 RP/₹100 on birthday spends (capped at 2,000 RP/year).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessEnjoy 8 complimentary domestic airport lounge visits per calendar year (max. 2 visits per quarter).
International Lounge Access
International Lounge AccessComplimentary Priority Pass Program membership worth $99. Get 4 complimentary International Priority Pass Lounge visits per calendar year, outside India (max. 2 visits per quarter). Valid for primary cardholders for 2 years.
Travel BenefitsUp to 10% off Hertz, 35% off Avis car rentals. Benefits at 900 luxury hotels (Visa). Up to 15% cashback on MakeMyTrip (RuPay).
Travel BenefitsReceive a ₹7,000 e-Gift Voucher from Yatra.com/Pantaloons on annual spends of ₹5 lakhs. Enjoy up to 15% cashback on Hotels and Flight bookings via MakeMyTrip (RuPay variant).
Movie BenefitsEarn 10X Reward Points per Rs. 150 spent on movies.
Movie Benefits
Dining BenefitsEarn 10X Reward Points per Rs. 150 spent on dining.
Dining BenefitsGet 10 reward points per ₹100 on dining spends. Enjoy up to 15% discount on F&B at Lalit Hotels.
Golf Benefits
Golf BenefitsEnjoy 4 rounds of complimentary green fees access and up to 50% off on golf games, along with 1 complimentary lesson per month at selected golf courses (Mastercard variant).
Fuel Surcharge Waiver1% waiver on transactions Rs. 500-3,000; max Rs. 100 waiver per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps, capped at ₹250 per month.

Security & Other

Insurance Benefits
Insurance BenefitsComplimentary credit card fraud liability cover of ₹1 lakh, applicable from 48 hours before reporting loss up to 7 days after reporting.
Cash Advance Charges
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Bank of Maharashtra SimplySAVE SBI Card

KVB SBI Card PRIME

Who is it for?

The Bank of Maharashtra SimplySAVE SBI Card is an entry-level credit card offering accelerated reward points on everyday spending categories like dining, movies, departmental stores, and groceries. It provides a beneficial fuel surcharge waiver and is available on both Visa and RuPay networks, offering diverse travel and lifestyle perks. Cardholders can earn 2,000 bonus reward points on initial spends and enjoy features like contactless payments, global acceptance, and EMI options.

Who is it for?

The KVB SBI Card PRIME is a premium credit card offering a ₹3,000 welcome voucher, accelerated rewards on utilities, dining, and groceries, plus extensive domestic and international lounge access. It's ideal for high-spenders seeking luxury travel and lifestyle benefits.

Pros

Key benefits and features.

Accelerated rewards on dining, movies, groceries, and departmental stores.

Beneficial 1% fuel surcharge waiver, saving up to Rs. 100 per month.

Welcome bonus of 2,000 reward points worth Rs. 500 on initial spend.

Available on both Visa and RuPay networks, offering diverse benefits.

Renewal fee waiver on annual spends of Rs. 1,00,000 or more.

Pros

Key benefits and features.

Offers a substantial welcome e-gift voucher worth ₹3,000 from a selection of popular brands.

Provides accelerated reward points on high-frequency spends like utilities, dining, and groceries.

Includes extensive lounge access with 8 domestic and 4 international visits annually, plus Priority Pass membership.

Features attractive milestone benefits, such as a ₹7,000 voucher and renewal fee waiver on achieving spend targets.

Comes with premium lifestyle privileges including complimentary golf access and ITC Silver Tier membership.

Cons

Key drawbacks and limitations.

No complimentary airport lounge access, domestic or international.

Reward points value is relatively low at 4 points = Re. 1.

No specific milestone benefits or insurance covers mentioned.

Annual fee of Rs. 499 is applicable if waiver condition is not met.

Limited premium benefits, typical for an entry-level credit card.

Cons

Key drawbacks and limitations.

The annual fee of ₹2,999 + taxes might be a deterrent for some, although it is waivable.

Accelerated reward points on utility payments are capped, reverting to a lower rate after 3000 points.

Birthday reward points are also capped at 2,000 points per year, limiting potential earnings.

International Priority Pass membership and lounge access are primarily for the primary cardholder and valid for a limited period.

The fuel surcharge waiver has a monthly cap of ₹250, which may not cover high fuel expenses.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Bank of Maharashtra SimplySAVE SBI Card(opens in new tab)Apply for KVB SBI Card PRIME(opens in new tab)