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SBI Cashback Credit Card vs SBI SimplySAVE

Honest side-by-side comparison of SBI Cashback Credit Card, SBI SimplySAVE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

SBI Cashback Credit Card

SBI Card

SBI SimplySAVE

SBI Card

Your adjusted comparison

Feature
SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

SBI SimplySAVE credit card

SBI SimplySAVE

SBI Card

Fees & eligibility
Annual fee₹999₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹25,000/mo₹18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,520/yr₹2,751/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo—
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery—₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel—₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate5%10 RP/₹100
Primary reward cap₹2,000 rewards/mo capNo monthly cap published
UPI rewardsNot supported (Visa/MC)Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusionsFuel · Utilities · Insurance · Rent · Wallet loadsEMI · Rent · Wallet
Bonuses
Signup bonus—₹2,000

Stack mode (hold both)

Cap-aware split: ~₹7,491/yr combined NAV (₹1,971 vs best solo). Both annual fees apply.

SBI Cashback Credit Card details →SBI SimplySAVE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads SBI SimplySAVE by about ₹2,769/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

SBI Cashback Credit Card vs SBI SimplySAVE comparison table
FeatureSBI Cashback Credit Card

SBI Card

SBI SimplySAVE

SBI Card

Fees & eligibility
Annual fee₹999₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹25,000/mo₹18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,520/yr₹2,751/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo—
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery—₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel—₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate5%10 RP/₹100
Primary reward cap₹2,000 rewards/mo capNo monthly cap published
UPI rewardsNot supported (Visa/MC)Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusionsFuel · Utilities · Insurance · Rent · Wallet loadsEMI · Rent · Wallet
Bonuses
Signup bonus—₹2,000

Frequently asked questions

Which card has the lower annual fee?
SBI SimplySAVE has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
SBI Cashback Credit Card leads with an estimated ₹5,520/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI SimplySAVE lists a minimum monthly income of ₹18,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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