SBI

SBI SimplySAVE

Entry-level card · 3.5% forex markup.

Strong for lounge access (0/year) · Weak for high forex (3.5%) and low base rewards (~0.2%)

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Good for

  • Airport lounge users

Not ideal for

  • International spenders
  • Rewards-focused users

Spend context

  • Estimated monthly rewards: ~₹80/month (base rewards)
  • Fee waiver conditions unclear — verify
  • Forex cost ~₹1,750 per ₹50k international spend

Approximate, based on base rates and current snapshot.

Annual fee
₹499
Lounge
None (domestic)
Forex
3.5%
Limited support — verify with issuer
Reward rate
1 pts/₹150
Below median base earn (0.2% vs ~1%).

Verified with issuer

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Lounge Access

Domestic visits
None
International visits
Not included

International Use

Forex markup
3.5%
Product tier
Entry-level

Fees

Annual fee
₹499
Joining fee
₹499

Rewards

Points per ₹150
1 pts
Point value
₹0.25
Effective earn
0.2% (at stated point value)

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