#1₹2,751/yr
SBI SimplySAVE
10 RP/₹100 · UPI & RuPay
Best net value on this list — about ₹2,751/yr in your pocket after fees on typical spends.
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UPI & RuPay·SBI Card
Great for Amazon, BookMyShow and partner merchants.
Age 21–60 · From ₹20,000/mo income · Unsecured
Key Benefits
All 10 benefits →Partner merchants
10X points
₹10,000/mo partner spend
Other spends
1X points
1 RP = ₹0.25
Welcome
₹500 Amazon voucher
Online
10 pts/150
On ₹10,000/mo spend
Signup bonus: ₹500 (year 1)
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: SBI SimplyCLICK T&Cs
Earn on UPI credit payments via RuPay-linked cards
RuPay variant supports UPI credit on supported apps. Visa/Mastercard variants cannot use UPI credit — choose RuPay at application.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: SBI SimplyCLICK T&Cs
Partner merchants
10X points
Cap: ₹10,000/mo partner spend
Other spends
1 RP = ₹0.25
1X points
Welcome
₹500 Amazon voucher
See worked examples of how points convert to cash value
online shopping — 10 pts per ₹150 spend
You spend
₹10,000
You earn
667 pts
Worth ≈
₹166.67
@ ₹0.25/point
Capped at ₹10,000/month spend for accelerated rate
upi — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations. Points expire in 24 months if unused.
Based on moderate spend for this market
Est. net annual
₹911
per year
Annual fee
₹589
per year
Effective return
0.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹499 · Forex 3.5% on international transactions — tap for full fees
Joining fee
Charged in first year
₹499
Annual / renewal fee
Charged every year unless waived
₹499
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
21–60 years · ₹20,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹1,920/year. After the ₹499 annual fee, net value is approximately ₹911/year. Use the calculator above to model your own spends.
₹20,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups.
Deeper rankings and comparisons for similar use cases.
SBI SimplySAVE
10 RP/₹100 · UPI & RuPay
Best net value on this list — about ₹2,751/yr in your pocket after fees on typical spends.
IDFC FIRST Millennia Credit Card
3X reward points · UPI & RuPay
Strong runner-up at ₹2,110/yr net — roughly ₹641 behind #1 on the same spend mix.
Axis Bank Neo Credit Card
10% off · UPI & RuPay
Worth a look — ₹1,020/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
