SimplySAVE SBI Card cashback rate, cap and annual fee
SimplySAVE SBI Card pays 1.67% on dining, and 4 other rates. The card costs INR 499 a year.
SBI Card · India · catalogue v101
Read from SBI Card's own published terms on 19 Sep 2026.
INR 499Annual fee
1.67%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 1.67% | —Restaurants, on the 10X band with films, department stores and groceries. SBI publishes 10 Reward Points per Rs 150; this is that figure per rupee. |
| entertainment | 1.67% | —Films, on the same 10X band. |
| supermarkets | 1.67% | —Department stores, on the same 10X band. |
| groceries | 1.67% | —Groceries, on the same 10X band. |
| everything else | 0.17% | —Everything else: 1 Reward Point per Rs 150. |
10 Reward Points per Rs 150 on dining, films, department stores and groceries, and 1 Reward Point per Rs 150 on everything else — a ten-to-one gap, and the base rate is the one most spending lands on. Note the denominator: SBI counts this card per Rs 150, not per Rs 100 like the rest of its range, so a Rs 100 purchase earns nothing at all and a Rs 290 one earns the same as a Rs 150 one. SBI prints the point's value on the same page — 4 Reward Points = Re. 1 — so a point is 25 paise, and that is the rate every figure here uses rather than a catalogue's estimate. Rs 499 plus tax, reversed entirely on Rs 1 lakh of annual spending. A 1% fuel surcharge waiver applies between Rs 500 and Rs 3,000 a transaction, up to Rs 100 a statement. Source: sbicard.com's own page for the card, read 19 Sep 2026.
Questions people ask
What cashback does the SimplySAVE SBI Card pay?
1.67% on dining, and 4 other rates.
Is there a cap on the SimplySAVE SBI Card?
No monthly cap is published on the rates shown here.
What is the annual fee on the SimplySAVE SBI Card?
INR 499 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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