SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for dining, movies, and departmental stores.
Why it can work
It offers accelerated rewards on dining, movies, grocery, and departmental store spends.
Where value may drop
The renewal fee is waived only on Rs 1 lakh of annual spend. Fuel and wallet loads don't earn rewards. The 3.5% forex markup is high for overseas use.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Reward Points/yr |
|---|---|---|
| Dining & food delivery | Rs 4,000 | 3,200 |
| Groceries | Rs 5,000 | 4,000 |
| Other spends | Rs 8,000 | 640 |
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 Dining, Movies, Grocery, And Departmental Store Spends
10 Reward Points / Rs 150 spent
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 and wallet loads
These categories are excluded and won't earn rewards.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate |
|---|---|
| Dining, movies, grocery, and departmental store spends | 10 Reward Points / Rs 150 spent |
| Other eligible spends | 1 Reward Point / Rs 150 spent |
Redemption
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
Exclusions
Categories that earn no rewards on this card.
- fuel
- cash advance
- balance transfer
- wallet loading
- transactions excluded under SBI Card reward terms
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- 2,000 bonus Reward Points on spends of Rs 2,000 or more in first 60 days
Additional benefits
- 1% fuel surcharge waiver at petrol pumps in India on transactions from Rs 500 to Rs 3,000, capped at Rs 100 per statement cycle
Eligibility
Check this before you apply.
Salaried
- Age 21 to 60 years
- Stable income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Self-employed
- Age 25 to 60 years
- Stable business income as per SBI Card credit assessment
- Good credit profile and address in a serviced location
Compare before you decide
Alternatives based on what you might want instead.