SBI SimplySAVE UPI RuPay Credit Card
SBI Cards · RuPay
Why this card?
- 1.67% back in reward points on dining and food delivery, groceries and entertainment, up to ₹1,250 a month; 0.17% on other spends
- ₹499 joining and annual fee; renewal fee waived on ₹1 lakh yearly spend
- 1% fuel surcharge waiver
Card details
- Issuer
- SBI Cards
- Network
- RuPay
- Annual Fee
- ₹499
- Joining Fee
- ₹499
- Reward Type
- points
- Best Reward Rate
- 1.67% on dining (capped at ₹1250/month)
- Domestic Lounge
- None
- Min. Monthly Income
- ₹15,000
- Rates verified
- 2026-10-06
Our verdict
SBI SimplySAVE UPI RuPay is the UPI-enabled variant of the popular SimplySAVE card. The core rewards structure is unchanged: 10 reward points per ₹150 on dining, movies, groceries and departmental stores works out to about 1.67% back, capped at 5,000 points (₹1,250) a month, which is decent for an entry card. The RuPay network lets you use the card for UPI payments, extending its utility to QR-code-based transactions that the Visa/Mastercard SimplySAVE misses.
Pros
- About 1.67% back on dining, movies, groceries and departmental stores — decent for the entry segment
- Credit-card-on-UPI for scan-and-pay spends
- Fuel surcharge waiver included
- SBI brand trust
Cons
- About 0.17% base reward on non-category spends is very low
- RuPay — limited international use
- No lounge access
- ₹499 fee requires ₹1L spend for waiver