SimplySave RuPay SBI Card
The SBI SimplySAVE RuPay Credit Card is a basic entry-level shopping card, mainly for regular day-to-day spending. It suits people who use the card frequently in local stores, grocery shops and medical shops, and you also get reward points on such normal offline purchases.
Because this credit card is on the RuPay network, you can link it inside UPI apps like Google Pay, PhonePe or Paytm and pay any merchant by scanning the QR code. The swipe machine is not necessary every time. Payment is made from your credit limit, and later it comes together in the monthly credit card bill.
You also earn reward points on UPI payments made using this card, but only when you pay a shop or business QR (merchant payment). Sending money to friends or personal transfer will not give reward points.
It’s a credit card that gives extra reward points on routine expenses Indians make every week, especially:
- Kirana & supermarket shopping
- Restaurant / Swiggy / Zomato payments
- Movie tickets
- Department stores
Major Differences Between New vs. Old
The SBI SimplySAVE credit card first started on 30 March 2015 as a basic shopping credit card that offers rewards on special transactions. At that time, it worked like a normal card — you needed a swipe machine or an online payment page.
In September 2022, a big change happened. After the RBI allowed RuPay credit cards on UPI, this card was launched in a RuPay version that can connect to UPI apps.
Still in 2026, you will find the SimplySave Card in multiple networks such as VISA, MasterCard, and RuPay. But, if you want UPI, the only active option is RuPay. VISA And MasterCard do not support UPI.
What this means: Earlier, a credit card could be used only where a swipe machine was available. But, now you can open any UPI app and scan the shop’s QR code. The payment is deducted from your credit card limit, not from your bank account balance.
Old Version — SimplySAVE Visa / Mastercard
- Network: Visa or Mastercard
- UPI: Not supported
- Payment: Requires a swipe/POS machine
- Small shops: Often not accepted
- Rewards: Only on card swipe transactions
- Carry card: Physical card required
New Version — SimplySAVE RuPay UPI
- Network: RuPay
- UPI: Works on apps like GPay, PhonePe and Paytm
- Payment: Scan QR code
- Small shops: Accepted at kirana stores, pharmacies and clinics
- Rewards: Rewards are also available on UPI payments
- Carry card: Only your phone is needed
Important: If you already have the old SimplySAVE card, you can request a network change to RuPay through the SBI Card app. After the change, link it to UPI and you can start paying using your credit limit.
SBI SimplySAVE RuPay Card — The Reward Points Benefits
This card does not give cashback directly. Instead, it gives reward points. You spend first, points collect slowly, and later you reduce your credit card bill. Unlike cashback cards, money is not instant — but saving is real.
If you pay grocery bill at kirana shop using UPI scan linked to this card, you still earn reward points. You use credit limit and also get saving together.
10 points / ₹150
1 point / ₹150
Same as card swipe
5,000 points
Points expire after 24 months. Redemption charge about ₹99 + tax applies when redeeming.
ATM withdrawal, rent payment, balance transfer and wallet loading.
Open SBI Card app every few months and redeem points. Many people forget and points expire — then the saving is lost permanently.
What Are the Other Features of SBI SimplySAVE RuPay Card?
Reward points are helpful, but this card also supports daily payments, bill control and emergency spending.
Get 2,000 reward points (about ₹500 value) after spending ₹2,000 in first 60 days.
1% fuel surcharge waiver on petrol payments between ₹500 and ₹3,000 (max ₹100 per month).
₹499 yearly fee becomes free if you spend ₹1,00,000 in a year.
💳 Flexipay EMI Conversion
If you buy a product above ₹2,500, you can convert it into monthly EMI from the SBI Card app within 30 days. So instead of heavy bill in one month, payment becomes smaller.
🔁 Balance Transfer Facility
You can move outstanding amount from another bank credit card to this card and repay slowly in EMI.
🧾 Auto Bill Payments
Set electricity, mobile or broadband bills on this card and they will be paid automatically every month.
📶 Tap & Pay Contactless
Just tap the card at shop machine. For payments up to ₹5,000 usually PIN is not required.
🛡️ Lost Card Protection
If card is lost and you block it quickly in the SBI Card app, you are protected from unauthorized transactions.
👨👩👧 Add-on Family Cards
You can issue add-on cards for parents or spouse (18+). No extra yearly fee.
SBI SimplySAVE RuPay Card — Fees, Interest and Real Charges (2026)
This card looks affordable in yearly fee. But the real game starts if interest begins. Before using a credit card, you should clearly know the charges. Below is the simple explanation of all important fees.
📄 Primary Fees
📈 Interest & Late Charges
Late Payment Fee
💳 Transaction Charges
🧾 Card Management
⏳ Important Limits
If you pay full bill every month, this card is cheap. But if you only pay minimum due, interest starts and it becomes expensive very quickly because 3.5% monthly interest is very high.
Sometimes Flipkart or Amazon offers No-Cost EMI for 12 or 24 months with instant discount. In that case, you can buy a product on EMI and avoid heavy interest charges. Used carefully, this gives real benefit from the card instead of paying 40%+ yearly interest.
SBI SimplySAVE RuPay Credit Card — How to Link on UPI
You can use your SimplySAVE RuPay credit card directly on UPI apps for shop payments. Setup is quick and normally takes only 3–5 minutes if your mobile number is registered with SBI Card.
Step-by-Step Linking Process
- Open your UPI app
Open Google Pay, PhonePe, Paytm or BHIM on the same mobile number linked with your SBI credit card. - Go to bank account / payment settings
Inside profile or payment methods, tap “Add Credit Card” or “RuPay Credit Card on UPI”. - Select the correct bank
Choose SBI Credit Card. Do not select State Bank of India savings account. - Automatic card detection
The app will try to fetch your card using your registered mobile number. - Enter card details
Enter the last 6 digits of your card and expiry date when asked. - OTP verification
You will receive an OTP from SBI Card. Enter it to confirm linking. - Create UPI PIN
Set a new 6-digit UPI PIN. This PIN is different from your ATM PIN.
Who Can Apply for SBI SimplySAVE RuPay Credit Card?
This card is made for first-time users and normal salaried people. Approval is usually easier compared to premium credit cards, especially if income is stable.
Minimum monthly income around ₹20,000 is usually required. PSU or bank employees often get faster verification and smoother approval.
You should show at least ₹2 lakh yearly income in your latest ITR (Income Tax Return). Business proof may also be required.
Normally not eligible for unsecured version. Students can apply only if they have regular income or apply against fixed deposit.
Salaried: 18–65 years
Self-employed: 21–65 years
Card limit usually starts from ₹15,000 and can go up to ₹5,00,000.
Most first-time users with ₹20,000–₹25,000 salary generally receive ₹15,000–₹40,000 limit initially. If you use properly and pay bills on time, the bank increases limit over time.
- PAN Card (mandatory)
- Aadhaar Card (for instant e-KYC)
- Salary slips (last 1–2 months) + 3 months bank statement (salaried)
- Latest ITR and business proof (self-employed)
- One passport size photo
If you already have an SBI savings account, sometimes you may receive pre-approved offers inside SBI Card app with very little paperwork.
Check Your Credit Score Before Applying
Easemoney Talk:
Before applying, it is better to check your credit score first.
At Easemoney you can check score and understand whether approval chances are good or not.
If score is low and you apply directly, rejection may happen and it can affect future applications.
SBI SimplySAVE RuPay vs Other Popular RuPay Cards (Latest)
All RuPay cards are not the same. Some give grocery rewards, some give fuel saving, and some give direct UPI cashback. Swipe cards left and right on mobile to compare easily.
SBI SimplySAVE RuPay
Reward: 10 RP per ₹150 (~2.5%) grocery & dining
UPI: Reward points (0.17%–2.5%)
Annual Fee: ₹499 (waived ₹1L spend)
Best Use: Supermarket & medical stores
Redemption: Vouchers / bill adjust
HDFC Tata Neu Plus
Reward: 2% Tata brands
UPI: 1% NeuCoins cashback
Annual Fee: ₹499 (waived ₹1L spend)
Best Use: BigBasket, Croma, 1mg
Redemption: Tata purchases only
Axis IndianOil RuPay
Reward: 4% value back on petrol
UPI: ~0.25% points
Annual Fee: ₹500 (waived ₹50k spend)
Best Use: Daily petrol users
Redemption: IOCL fuel benefit
Kiwi RuPay Digital
Reward: 1.5%–5% cashback
UPI: Direct bank cashback
Annual Fee: Lifetime free
Best Use: Heavy UPI payments
Redemption: Instant bank credit
FAQs
Is SBI SimplySAVE RuPay credit card actually good?
Yes, for normal earners. If your salary is ₹20,000–₹35,000, this card works well for groceries, medicines, and UPI shops. Not luxury card, but very practical daily-use credit builder in small towns.
Does SBI SimplySAVE RuPay credit card give lounge access?
No airport lounge access is provided on this card. It is an entry-level spending card, not travel card. Bank focused daily shopping and UPI usage instead of flight or premium travel benefits.
What is reward point value if I spend ₹5,000 at once?
If ₹5,000 spent in grocery or restaurant category, you earn around 333 reward points. Value becomes roughly ₹80–₹85. Not big cashback, but useful over months when points accumulate.
What is maximum credit limit of SBI SimplySAVE card?
Limit usually starts ₹15,000–₹40,000 for first-time users. With good repayment history for 6–9 months, bank may increase gradually. Highest limits can reach about ₹5 lakh for strong credit profile customers.
Can I send money to friends using this card on UPI?
No. RuPay credit card on UPI only works for merchant payments. You can pay shopkeepers, hospitals, or stores. Direct transfer to friends, bank accounts, or wallets is blocked by RBI rules.
How much interest is charged if I miss payment?
Interest goes near 3.5% monthly, around 42% yearly. For example, ₹10,000 unpaid bill can become ₹11,400 within few months. Always pay full amount, not minimum due, to stay safe.
Is this card useful for building credit score?
Yes. If you spend small amounts and pay on time every month, your CIBIL score improves within 3–6 months. Many first-time users later qualify for higher cards or personal loans.
