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Karnataka Bank SimplySave SBI Credit Card VS Karnataka Bank Prime SBI Credit 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.
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Last updated: 18 July 2026
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CheQ AU Credit Card

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CheQ AU Credit Card
Karnataka Bank SimplySave SBI Credit Card
Karnataka Bank SimplySave SBI Credit Card
Karnataka Bank Prime SBI Credit Card
Karnataka Bank Prime SBI Credit Card

Fees & Charges

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

Rewards & Benefits

Welcome BonusReceive 2,000 Bonus Reward Points upon spending Rs. 2,000 or more within the first 60 days.
Welcome Bonuse-Gift voucher worth Rs. 3,000 from brands like Yatra, Pantaloons, Shopper Stop on annual fee realization.
Rewards RateEarn 10X Reward Points on dining, movies, departmental stores, and grocery; 1 RP per Rs. 150 on others.
Rewards RateEarn 20 RP on utility bill standing instructions, 10 RP on dining/departmental/grocery, 2 RP on other retail spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter).
International Lounge Access
International Lounge Access4 complimentary International Priority Pass Lounge visits per calendar year (max 2 per quarter).
Travel Benefits
Travel Benefits4 complimentary International Priority Pass Lounge visits & 8 domestic lounge visits annually. Discounts on Hertz/Avis, MakeMyTrip.
Movie BenefitsEarn 10X Reward Points for every Rs. 150 spent on movies.
Movie Benefits
Dining BenefitsEarn 10X Reward Points for every Rs. 150 spent on dining.
Dining BenefitsEarn 10 Reward Points on dining spends; Pizza Hut e-Voucher worth Rs. 1,000 on quarterly spends.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on fuel transactions (Rs. 500-3,000), max Rs. 100 waiver per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 500-Rs. 4,000, capped at Rs. 250/month.

Security & Other

Insurance Benefits
Insurance BenefitsComplimentary credit card fraud liability cover of Rs. 1 lakh.
Cash Advance Charges
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Karnataka Bank SimplySave SBI Credit Card

Karnataka Bank Prime SBI Credit Card

Who is it for?

The Karnataka Bank SimplySAVE SBI Card is a value-oriented credit card designed for individuals looking to maximize savings on everyday spending. It offers significant benefits, including 10X Reward Points on popular categories like dining, movies, departmental stores, and grocery, a welcome bonus of 2,000 Reward Points, and a 1% fuel surcharge waiver, making it ideal for smart spenders.

Who is it for?

The Karnataka Bank SBI Card PRIME is a co-branded credit card offering a rewarding experience with a welcome e-gift voucher, comprehensive lounge access, and accelerated reward points on various spends. It also provides attractive milestone benefits, making it a mid-range card ideal for those seeking diverse perks.

Pros

Key benefits and features.

Earn 10X Reward Points on everyday spends like dining, movies, and groceries.

Enjoy a valuable welcome bonus of 2,000 Reward Points on initial spending.

Benefit from a 1% fuel surcharge waiver, saving on your regular fuel expenses.

Annual renewal fee can be easily waived by achieving a reasonable spend threshold.

Offers convenient contactless payments and global acceptance for ease of use.

Pros

Key benefits and features.

Generous welcome e-gift voucher worth Rs. 3,000 from top lifestyle brands.

Extensive lounge access with 4 international and 8 domestic visits annually.

Accelerated reward points on dining, groceries, departmental stores, and utility bills.

Attractive milestone benefits including Pizza Hut and Yatra/Pantaloons vouchers.

Complimentary fraud liability cover and global acceptance for peace of mind.

Cons

Key drawbacks and limitations.

The reward point value is relatively low, with 4 points equaling just Re. 1.

Maximum fuel surcharge waiver is capped at Rs. 100 per statement cycle.

Lacks premium travel benefits like complimentary lounge access or golf privileges.

No explicit mention of insurance benefits or comprehensive protection covers.

The card does not offer any specific international spending benefits or low markup.

Cons

Key drawbacks and limitations.

Joining and renewal fees are relatively high at Rs. 2,999 + taxes.

Renewal fee waiver requires a substantial annual spend of Rs. 3 lakhs.

Reward points for birthday spends are capped at 2,000 per calendar year.

No specific benefits mentioned for movie tickets or golf privileges.

Foreign currency markup and interest rates are not explicitly detailed.

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.
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