SBI Simply Save

 SBI Simply save is a good credit card for day to day shopping. As name suggest simply save on your routines activities. The card has been designed keeping common man in mind. The card design is also good. SBI Simply Save is also issued against FD as SBI Simply Save Advantage Card.

  

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Features and Benefits

• Welcome Offer
• Spend 2000 within first 60 days, earn 2000 reward points.

Reward Points 

• 10X RP for Departmental store, Grocery, Dinning, Movies per 150 spend
  
• For all other spends earn 1RP/150
• SBI has recently downgraded the RP making it less attractive. 
• Each reward points is worth 0.25 Paise which will fetch you ~1.66% for 10X category. 
• You can redeem reward point against statement credit or use to purchase from reward catalogue. Click Here
  
• Fuel Surcharge 
• Enjoy 1% fuel surcharge waiver for transaction between 500 -3000 Max 100/cycle statement.

What doesn't Works

• No Lounge Access  
• Base reward for other spends is poor (~0.16%) 
• SBI Charges 99+GST for Rent payments. 
• No RP for wallet load, cash withdrawal.
  

Fees

• Joining Fee :499+GST; But compensated with 2000RP (Valued Rs. 500) for spends 2000 within first 60 days.
• Annual Fee :499+GST; Can be reversed after annual spends of 1Lakh

Verdict

    SBI Simply save is a offline shopping card designed to cater the needs of a common man. Though recent downgrade has made it less attractive still one can earn ~1.66% for 10X Category which is still worth .