Skip to main content

City Union Bank SBI Card PRIME VS City Union Bank 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
City Union Bank SBI Card PRIME
City Union Bank SBI Card PRIME
City Union Bank SimplySAVE SBI Card
City Union Bank SimplySAVE SBI Card

Fees & Charges

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

Rewards & Benefits

Welcome BonusWelcome e-Gift voucher worth Rs. 3,000. Complimentary 1-year Club ITC Silver Tier Membership. Complimentary Priority Pass Program membership.
Welcome BonusReceive 2,000 Bonus Reward Points (worth Rs. 500) on spending Rs. 2,000 within 60 days.
Rewards RateEarn 20 RP on utility bill payments, 10 RP on dining/departmental/grocery, 2 RP on other retail spends.
Rewards RateEarn 10X Reward Points on dining, movies, departmental stores, and groceries; 1 RP on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter).
Domestic Lounge Access
International Lounge Access4 complimentary International Priority Pass Lounge visits per calendar year (max 2 visits per quarter).
International Lounge Access
Travel BenefitsEnjoy lounge access, discounts on Hertz/Avis car rentals, benefits at luxury hotels, and cashback on MakeMyTrip.
Travel Benefits
Movie Benefits
Movie BenefitsEarn 10X Reward Points for every Rs. 150 spent on movie purchases.
Dining BenefitsEarn 10 Reward Points on dining spends.
Dining BenefitsEarn 10X Reward Points for every Rs. 150 spent on dining expenses.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions between Rs. 500-Rs. 4,000, capped at Rs. 250 per month.
Fuel Surcharge Waiver1% waiver on transactions between Rs. 500-3,000, max Rs. 100 per statement cycle.

Security & Other

Insurance BenefitsComplimentary credit card fraud liability cover of Rs. 1 lakh.
Insurance Benefits
Cash Advance Charges
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.

City Union Bank SBI Card PRIME

City Union Bank SimplySAVE SBI Card

Who is it for?

The City Union Bank SBI Card PRIME is a mid-range to premium co-branded credit card designed for lifestyle and travel enthusiasts. It offers a generous welcome e-Gift Voucher worth Rs. 3,000, extensive complimentary lounge access both domestically and internationally, and significant milestone benefits. Cardholders enjoy accelerated reward points on dining, groceries, and utility bills, along with a renewal fee waiver on achieving annual spend targets. This card is ideal for those seeking a rewarding experience with a focus on travel, shopping, and dining perks.

Who is it for?

The City Union Bank SimplySAVE SBI Card is a value-oriented credit card designed for everyday spending. It offers significant savings through accelerated reward points on common spending categories, a welcome bonus, and a fuel surcharge waiver, making it an attractive option for individuals looking to maximize benefits on their daily expenses.

Pros

Key benefits and features.

Attractive welcome e-Gift voucher of Rs. 3,000 with a choice of popular lifestyle brands.

Extensive complimentary lounge access, including 4 international and 8 domestic visits annually.

Accelerated reward points on key spending categories like utility bills, dining, and groceries.

Valuable milestone benefits, including Pizza Hut and high-value Yatra.com/Pantaloons e-Gift Vouchers.

Renewal fee waiver on achieving an annual spend target of Rs. 3 lakhs, offering significant savings.

Pros

Key benefits and features.

Accelerated 10X Reward Points on common spending categories like dining and movies.

Valuable welcome bonus of 2,000 reward points, equivalent to Rs. 500, on initial spend.

Benefit from a 1% fuel surcharge waiver, saving money on regular fuel purchases.

Convenient contactless payment feature for quick and secure daily transactions.

Option to convert large purchases into easy EMIs, offering financial flexibility.

Cons

Key drawbacks and limitations.

Reward points for utility bill payments are capped at 3000 points at the higher earning rate.

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

The fuel surcharge waiver has a monthly maximum cap of Rs. 250, which might be insufficient for high spenders.

Complimentary Priority Pass membership is only for primary cardholders and valid for 2 years.

Cons

Key drawbacks and limitations.

The reward points earning rate for general spending categories is relatively low.

Lacks premium benefits such as complimentary lounge access or golf privileges.

The annual fee waiver requires a substantial spend of Rs. 1,00,000 per year.

No specific mention of foreign currency markup, which could be a hidden cost.

Limited information provided regarding interest rates and cash advance charges.

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 City Union Bank SBI Card PRIME(opens in new tab)Apply for City Union Bank SimplySAVE SBI Card(opens in new tab)