All Cards
rupaybasiccredit
SBI SimplySAVE UPI RuPay Credit Card
SBI Card
shoppingonline
Annual Fee
₹499
Joining Fee
₹499 + GST
Base Reward
0.17% points
Foreign Markup
3.5%
Fee Waiver
Waived on ₹1L annual spend
Interest Rate
3.75% per month
Welcome Benefits
2,000 Reward Points on Spending ₹2,000 in the First 60 Days
Product Highlights
- 10X Reward Points on movie, grocery, dining, and departmental store spends
- 1% fuel surcharge waiver
Rewards
Earn 10X Reward Points on movie, grocery, dining, and departmental store spends. 1 Reward Point for every ₹150 spent on other purchases.
Redemption
1 Reward Point = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
grocery | 1.7%(10X Reward Points) | No cap |
dining | 1.7%(10X Reward Points) | No cap |
entertainment | 1.7%(10X Reward Points) | No cap |
shopping | 0.17%(1 Reward Point/₹150 Spent) | No cap |
Benefits & Features
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (capped at ₹100 per month)
Fees & Charges
Annual Fee₹499
Joining Fee₹499 + GST
Fee WaiverWaived on ₹1L annual spend
Foreign Markup3.5%
Interest Rate3.75% per month
Cash Advance2.5% or ₹500 (Whichever is Higher)
Redemption Fee₹99 + GST
Eligibility
Min Age
18 years
Max Age
65 years
Min Income (Salaried)
₹20,000
Min Income (Self-Employed)
₹20,000
Available Networks
rupay
Pros & Cons
Pros
- Low joining fee of ₹499
- Great reward points on spends
Cons
- No international or domestic lounge access
- No insurance benefits
- Reward redemptions will be chargeable at ₹99
Additional Info
Earn up to 5,000 accelerated points in a month; after reaching this cap, the normal reward rate shall be applicable.
Excluded Categories
rentgovernmentfuel