In a move that continues its focus on rewarding everyday spending, SBI Card has expanded its popular SimplySAVE Credit Card portfolio, now adding cashback benefits on dining and OTT platform payments.
The refreshed version of the SimplySAVE Card aims to keep pace with the changing lifestyle of Indian consumers — who now spend as much on food delivery and streaming as they once did on groceries or fuel.
By integrating new digital categories, SBI Card is positioning SimplySAVE as a complete daily-use card that rewards both essentials and entertainment.
About the SimplySAVE Card Portfolio
The SimplySAVE range has long been one of SBI Card’s most popular offerings.
Initially designed to reward spending on groceries, fuel, and departmental stores, it became a go-to choice for users looking for a simple, affordable, and value-driven credit card.
With this latest update, SBI Card aims to make SimplySAVE more relevant for a younger, digital-first audience — those who prefer Swiggy over supermarkets and Netflix over cable TV.
What’s New in the Updated SimplySAVE Card
The new Cashback Edition of SimplySAVE introduces enhanced rewards on dining, OTT subscriptions, and digital entertainment, while retaining its existing benefits on everyday categories.
Here’s a closer look at the upgraded features:
1. 5% Cashback on Dining and Food Delivery
- Earn 5% cashback on dining at partner restaurants or while ordering from Swiggy, Zomato, and Domino’s apps.
- Includes dine-in and takeaway bills across listed outlets in SBI’s Culinary Treats network.
- Monthly cashback limit of ₹500 on dining transactions.
2. 5% Cashback on OTT Subscriptions
- Get 5% cashback on digital entertainment spends — including Netflix, Disney+ Hotstar, Amazon Prime Video, Zee5, and SonyLIV.
- Applicable on direct payments and recurring subscriptions charged to the card.
3. 2% Cashback on Groceries and Supermarket Spends
- Continue earning 2% cashback on purchases from grocery stores, supermarkets, and departmental chains.
4. 1% Cashback on All Other Spends
- Earn 1% cashback on all other transactions, ensuring consistent value across every category.
5. 1% Fuel Surcharge Waiver
- Available on fuel transactions between ₹500 and ₹3,000 at any petrol pump in India.
This balanced structure ensures that cardholders enjoy steady savings on both daily essentials and leisure spends.
Simplified Rewards System
SBI Card has made the reward system more transparent and easy to track. Cashback gets automatically credited to the card account in the next billing cycle, with no need for manual redemption.
Users can track their total cashback and spend insights directly from the SBI Card mobile app or website, making the process intuitive and user-friendly.
Who Should Get This Card
The SimplySAVE Cashback Edition is perfect for:
- Students and young professionals who spend on OTT, food, and daily essentials.
- Families that prefer simple cashback over complex reward points.
- Users upgrading from debit cards to entry-level credit cards.
It’s an excellent fit for those who prefer clarity and convenience over luxury travel perks or complicated tiered rewards.
Fees and Charges
The SimplySAVE Cashback Card remains affordable — true to its reputation as one of the best entry-level credit cards in India.
Joining & Annual Fees
- Joining Fee: ₹499 + GST (waived on first-month spends above ₹3,000).
- Annual Fee: ₹499 + GST (waived on annual spends above ₹1 lakh).
Other Details
- Interest Rate: 3.5% per month (42% p.a.).
- Cash Advance Fee: 2.5% of the withdrawn amount (min ₹500).
For active users, the cashback potential easily covers the annual fee within a few months.
Application and Onboarding
SBI Card continues its digital-first approach for this updated SimplySAVE version.
Applicants can apply online via the SBI Card website or app and get instant digital approval (subject to eligibility).
Once approved, users receive a virtual card that can be linked to UPI apps, wallets, and online platforms instantly.
Physical cards are dispatched within a few days.
Highlights:
- Paperless onboarding and KYC.
- Instant digital issuance.
- Integration with SBI Card mobile app for tracking spends.
Launch Offers and Promotions
To mark the rollout of the SimplySAVE Cashback Edition, SBI Card has introduced several limited-time offers:
- Flat ₹250 cashback on first dining or OTT transaction.
- Extra 2% cashback on Swiggy and Netflix during the first 60 days.
- Zero joining fee for applications made via SBI Card’s digital channels before the end of the launch month.
These promotions make the card even more appealing for first-time users or those looking to switch to a smarter daily-use option.
Security and Controls
The card is equipped with chip and PIN technology and includes multiple safety and control features through the SBI Card app:
- Enable or disable international usage.
- Set per-transaction limits.
- Block the card instantly in case of loss or suspected fraud.
- Get real-time notifications for every transaction.
This ensures cardholders can enjoy digital payments with confidence and full control.
Why This Expansion Matters
SBI Card’s decision to expand SimplySAVE into dining and OTT spending categories reflects a shift in consumer behaviour.
In recent years, Indian users — especially younger ones — are spending less on traditional retail and more on digital entertainment, food delivery, and subscription-based services.
By updating its entry-level portfolio, SBI Card ensures SimplySAVE remains relevant and rewarding for the next generation of users.
It also aligns with SBI’s larger strategy to simplify rewards and increase cashback-based benefits that appeal to mass-market customers.
What SBI Card Says
A senior SBI Card spokesperson shared:
“The new SimplySAVE Cashback Edition is built to reward the modern Indian lifestyle — one where dining out and streaming have become daily activities. Our goal is to make everyday spending more rewarding, simple, and transparent.”
This reflects SBI Card’s long-term commitment to innovation and inclusion, ensuring that users at every income level have access to meaningful credit card benefits.
Comparison with Other Entry-Level Cashback Cards
The SimplySAVE Cashback Edition stands out for its wider range of daily categories and the automatic cashback system, making it easy for first-time cardholders.
Customer Experience and App Integration
The SBI Card mobile app enhances the overall experience by offering:
- Real-time cashback tracking.
- Spend summaries by category.
- Instant redemption for statement credit.
- Easy EMI conversion on purchases above ₹2,500.
This makes managing expenses and rewards effortless for both new and existing customers.
Final Summary
The SBI SimplySAVE Cashback Edition is a timely and practical upgrade to one of India’s most popular credit cards.
By adding cashback on dining, food delivery, and OTT subscriptions, it keeps up with modern spending trends while staying true to its promise of simplicity and everyday value.
It’s affordable, easy to manage, and offers real savings on categories that matter most today — entertainment, food, and essentials.
With its strong cashback structure, digital onboarding, and trusted SBI brand, this refreshed SimplySAVE Credit Card proves that even basic cards can deliver premium value for daily life.