Which card has the lower annual fee?

SBI SimplySAVE has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

SBI SimplySAVE leads with an estimated ₹5,481/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.

Side-by-side · honest numbers

SBI Card PRIME vs SBI SimplySAVE

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

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplySAVE leads SBI Card PRIME by about ₹3,980/yr in estimated net value.

SBI Card PRIME vs SBI SimplySAVE comparison table
Feature	SBI Card PRIME SBI Card	SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹2,999	₹499
Fee waiver threshold	₹5,00,000/yr	No waiver published
Min income	₹45,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,501/yr	₹5,481/yr
Groceries (offline)	—	15 pts per ₹150 spend → ₹150/mo (₹1,800/yr)
Dining & delivery	—	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Fuel	—	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Travel	6 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Top reward rate	4X reward points	10 RP/₹100
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Domestic lounge visits per year — verify count	None
UPI rewards	Not supported (Visa/MC)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	Fuel · Rent · Wallet · EMI	EMI · Rent · Wallet
Bonuses
Signup bonus	₹3,000	₹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 SimplySAVE leads with an estimated ₹5,481/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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

SBI Card PRIME

SBI Card

Card 2

SBI SimplySAVE

SBI Card

Your adjusted comparison

Feature	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card	SBI CardClassic SBI SimplySAVE •••• •••• •••• 4242 Quick facts SBI SimplySAVE Top reward10 RP/₹100 Annual fee₹499 Min income₹18,000/mo Tap to flip back SBI SimplySAVE SBI Card
Fees & eligibility
Annual fee	₹2,999	₹499
Fee waiver threshold	₹5,00,000/yr	No waiver published
Min income	₹45,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,501/yr	₹5,481/yr
Groceries (offline)	—	15 pts per ₹150 spend → ₹150/mo (₹1,800/yr)
Dining & delivery	—	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Fuel	—	15 pts per ₹150 spend → ₹100/mo (₹1,200/yr)
Travel	6 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Top reward rate	4X reward points	10 RP/₹100
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Domestic lounge visits per year — verify count	None
UPI rewards	Not supported (Visa/MC)	Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusions	Fuel · Rent · Wallet · EMI	EMI · Rent · Wallet
Bonuses
Signup bonus	₹3,000	₹2,000

SBI Card PRIME details →SBI SimplySAVE details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More SBI Card PRIME comparisons