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City Union Bank SimplySAVE SBI Card

Rewards without the annual fee burden

Annual fee₹499Waived on ₹1.0L spend
Rewards1 Reward Point per Rs. 150 spent on all other spends
Forex markup3.5%3.5% on all foreign currency transactions
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Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

worth ₹500

2,000 Bonus Reward Points worth ₹500

Type
Reward Points
Trigger
Spend ₹2,000 within 60 days

Rewards

Base earn rate

1 Reward Point per ₹150 spent on all other spends

CategoryDetails
Dining10X Reward Points per Rs. 150 spent on dining
Movies10X Reward Points per Rs. 150 spent on movies
Departmental stores10X Reward Points per Rs. 150 spent on departmental stores
Grocery10X Reward Points per Rs. 150 spent on grocery

Redemption options

Bill payment:₹0.25 per pointRewards catalogue:Browse through the Rewards Catalogue to choose your gifts
  • • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
  • • Redemption fee: ₹99

Fees & charges

Joining fee
₹499 + taxes
Annual / renewal fee
₹499 + taxes
Annual fee waiver
Renewal Fee is reversed if annual spends for last year >= ₹1,00,000
Add-on card fee
Nil
Interest rate
Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period
50 days
Cash advance fee
2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee
2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour
In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup
3.5% on all foreign currency transactions
DCC markup
3.50%
Reward redemption
₹99 per redemption
Fuel surcharge
1% waiver, on ₹500–₹3000 txns, max ₹100/cycle

Late payment

Outstanding amountLate fee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹10,000₹750
₹10,001 – ₹25,000₹950
₹25,001 – ₹50,000₹1,100
Above ₹50,001₹1,300

Features

✓ Contactless✓ International usage

Additional features

  • Utility Bill Payment Facility

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No longer offered

State Bank of India is no longer accepting applications for this card.

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