CardHungry

Side-by-side · honest numbers

SBI SimplySAVE vs slice credit card

Honest side-by-side comparison of SBI SimplySAVE, slice credit card — 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

Customize your spend

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

Spend assumptions

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

SBI SimplySAVE

SBI Card

slice credit card

Slice

Your adjusted comparison

Feature
SBI SimplySAVE credit card

SBI SimplySAVE

SBI Card

slice credit card

slice credit card

Slice

Fees & eligibility
Annual fee₹499Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹18,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,751/yr₹3,240/yr
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 rate10 RP/₹100Up to 1% cashback
Primary reward capNo monthly cap published₹500 rewards/mo cap
UPI rewardsEarns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly capsEarns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusionsEMI · Rent · WalletRent · Wallet loads · EMI
Bonuses
Signup bonus₹2,000—

Stack mode (hold both)

Cap-aware split: ~₹4,511/yr combined NAV (₹1,271 vs best solo). Both annual fees apply.

SBI SimplySAVE details →slice credit card details →

Share this comparison

https://cardhungry.com/in/en/compare/sbi-simplysave-vs-slice-credit-card

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, slice credit card leads SBI SimplySAVE by about ₹489/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 SimplySAVE vs slice credit card comparison table
FeatureSBI SimplySAVE

SBI Card

slice credit card

Slice

Fees & eligibility
Annual fee₹499Lifetime free
Fee waiver thresholdNo waiver publishedLifetime free
Min income₹18,000/mo₹15,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹2,751/yr₹3,240/yr
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 rate10 RP/₹100Up to 1% cashback
Primary reward capNo monthly cap published₹500 rewards/mo cap
UPI rewardsEarns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly capsEarns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap
Key exclusionsEMI · Rent · WalletRent · Wallet loads · EMI
Bonuses
Signup bonus₹2,000—

Frequently asked questions

Which card has the lower annual fee?
slice credit card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
slice credit card leads with an estimated ₹3,240/yr net annual value on moderate spend.
Which card has the lower income requirement?
slice credit card lists a minimum monthly income of ₹15,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More SBI SimplySAVE comparisons