SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for online, and you want your rewards as simple, no-tracking cashback.
Why it can work
It offers accelerated rewards on online spends.
Where value may drop
The renewal fee is waived only on Rs 2 lakh of annual spend. Fuel, rent, and utilities don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many cashback you earn and what they are worth.
How you earn it
| Category | Monthly spend | cashback/yr |
|---|---|---|
| Online shopping | Rs 15,000 | 9,000 |
| Other spends | Rs 8,000 | 960 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for simple cashback
5% cashback on online spends, auto-credited with no points to manage.
Avoid for heavy international use
A 3.5% forex markup is on the higher side for overseas spends.
Avoid if you spend big on fuel, rent, and utilities
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Online spends | 5% cashback | 2,000 cashback |
| Offline spends | 1% cashback | 2,000 cashback |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- utilities
- insurance
- fuel
- rent
- wallet loads
- school and educational services
- jewellery
- railways
- digital gaming platforms and merchants
- tolls
- government related transactions
- merchant EMI
- Flexipay EMI
Benefits and fine print
Welcome, renewal, and other listed benefits.
Additional benefits
- 5% cashback on online spends without merchant restriction
- 1% cashback on offline spends
- 1% fuel surcharge waiver across petrol pumps in India on fuel transactions from Rs 500 to Rs 3,000, capped at Rs 100 per billing statement
Additional details
- Cashback is auto-credited to the SBI Card account within two working days of statement generation.
Eligibility
Check this before you apply.
Salaried
- Minimum age: 21 years
- Maximum age: 60 years
- Occupation: salaried with stable income
Self-employed
- Minimum age: 25 years
- Maximum age: 60 years
- Occupation: self-employed with stable income
Compare before you decide
Alternatives based on what you might want instead.