City Union Bank SimplySAVE SBI Card
SBI Card · Checked 2026-10-09
City Union Bank SimplySAVE SBI Card is a paid card focused on shopping rewards, dining rewards and reward points, charging ₹499 annually before GST.
CardIQ editorial view
Our take
City Union Bank SimplySAVE SBI Card is a paid card focused on shopping rewards, dining rewards and reward points, charging ₹499 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10 points per ₹150 on dining, movies, department stores and groceries; 1 on other eligible spends.
Trade-offs to understand
- 4 points = ₹1 for eligible redemptions.
- Renewal fee reversed on ₹1 lakh eligible annual spend.
- The ₹499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10 points per ₹150 on dining, movies, department stores and groceries; 1 on other eligible spends valuable enough to clear the fee. Factor in this condition: 4 points = ₹1 for eligible redemptions.
Compare before deciding
- IDFC FIRST SWYP — A similarly priced alternative for comparing shopping rewards and reward points.
- Axis Bank MY ZONE — A higher-fee option to compare for broader benefits around shopping rewards and reward points.
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Benefits, limits and conditions
- 4 points = ₹1 for eligible redemptions.
- Renewal fee reversed on ₹1 lakh eligible annual spend.