Skip to main content

Cashback SBI Credit Card VS SimplySAVE SBI Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 21 July 2026

Both SimplySAVE SBI Card and Cashback SBI Credit Card suit dining-focused spenders, but they earn and cost differently. SimplySAVE SBI Card costs ₹499 + GST and earns 10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends. Cashback SBI Credit Card costs ₹999 + GST and earns 5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle). SimplySAVE SBI Card also brings receive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance. If movies spending matters more, go with SimplySAVE SBI Card; if utilities is the priority, Cashback SBI Credit Card fits better.

Cashback SBI Credit Card
Cashback SBI Credit Card
SimplySAVE SBI Card
SimplySAVE SBI Card

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹499 + GST
Renewal Fee₹999 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual fee is reversed if annual spends in the previous year are Rs. 2,00,000 or more.
Spend Based WaiverThe renewal fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
Foreign Transaction Fees3.5% + GST
Foreign Transaction Fees
Interest Rate (APR)3.75% per month (45% per annum)
Interest Rate (APR)

Rewards & Benefits

Welcome BonusNo specific welcome benefits or joining perks are listed for this card.
Welcome BonusReceive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance.
Rewards Rate5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle); max combined Rs. 4,000 per statement cycle.
Rewards Rate10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNot applicable
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie BenefitsEarn 10X Reward Points per Rs. 150 spent on movies.
Dining Benefits
Dining BenefitsEarn 10X Reward Points per Rs. 150 spent on dining.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India, capped at Rs. 100 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions Rs. 500-3,000, max Rs. 100 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the amount withdrawn or a minimum charge of Rs. 500.
Cash Advance Charges
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Cashback SBI Credit Card

SimplySAVE SBI Card

Who is it for?

The Cashback SBI Card is an entry-level cashback credit card that delivers straightforward savings on everyday spending with 5% cashback on online transactions and 1% on offline spends. It pairs flat cashback with a fuel surcharge waiver and a spend-based annual fee waiver, making it ideal for users who want direct, easy-to-track benefits without managing points. Best suited for regular shoppers and online spenders who can meet the Rs. 2 lakh annual spend threshold, this card simplifies rewards while offering global acceptance and contactless convenience.

Who is it for?

The SimplySAVE SBI Card is an entry-level credit card designed to make everyday spending more rewarding, offering accelerated reward points on common categories like dining, movies, departmental stores, and groceries. It provides significant value for individuals who frequently spend in these areas, coupled with a beneficial fuel surcharge waiver and a welcome bonus for new cardholders. The card's focus on high-frequency categories and its spend-based renewal fee reversal make it a strong contender for an entry-level or mid-range card, maximizing savings on daily expenses.

Pros

Key benefits and features.

Decent 5% cashback on online spends and 1% on offline spends for solid everyday savings.

High monthly cashback cap of Rs. 4,000 across categories boosts total earnings potential.

Strong option for online spending compared to other cashback cards with simple auto-credit.

Contactless payment facility available for quick and secure low-value transactions.

Global acceptance in over 24 million outlets ensures usability during travel and shopping.

Pros

Key benefits and features.

Receive 2,000 Bonus Reward Points upon meeting initial spend criteria.

Earn 10X Reward Points on popular categories like dining, movies, and groceries.

Benefit from a 1% fuel surcharge waiver, capped at Rs. 100 per statement cycle.

Annual renewal fee can be waived by spending Rs. 1,00,000 or more in the previous year.

Enjoy the convenience of add-on cards for family members with no annual fee.

Cons

Key drawbacks and limitations.

Several categories are excluded from cashback eligibility, limiting earnings on key spends.

Annual fee is relatively high compared to the benefits for low spenders who cannot meet the waiver.

Spend-based waiver may be difficult to achieve if major spends fall in excluded categories.

No instant discounts during online sales, reducing appeal during promotional shopping periods.

Cashback exclusions on utilities, insurance, fuel, rent, and other services restrict utility.

Cons

Key drawbacks and limitations.

The reward rate for spends outside accelerated categories is a standard 1X, which is lower.

No specific travel or lounge access benefits are offered with the SimplySAVE SBI Card.

The maximum fuel surcharge waiver is limited to Rs. 100 per statement cycle.

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 Cashback SBI Credit Card(opens in new tab)Apply for SimplySAVE SBI Card(opens in new tab)