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City Union Bank SimplySAVE SBI Card

by Kshitiz V Sharma on

The Bottom Line

City Union Bank SimplySAVE SBI Card
Low Fee, Low Rewards

10 reward points / ₹150 on dining, departmental stores, grocery & movies and 1 point on all other spends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield (-0.2%)^ 0.6% 0.6% 0.5% 0.5%
Est. Monthly Reward (₹) (15) 60 115 235 465
All-India Rewards Rank* 167 107 163 262 270
Within Bank Rank* 19 15 37 66 65
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The City Union Bank SimplySAVE SBI Card gives 1.67% effective rewards on dining, entertainment & grocery and 0.17% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.5-0.6% on monthly spending above ₹10,000 with this card.

The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spending.

The SBI Unnati Credit Card is the best entry level card, if you spend less than ₹10,000 . It offers a net reward yield of 0.3-1.1% with this card on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card City Union Bank SimplySAVE SBI Card
Card Type Reward
Reward Features 10 Rewards / ₹150 on:
– Dining
– Departmental Stores
– Grocery
– Movies

1 Rewards / ₹150 on all other spends

Milestone Rewards Nil
Other Rewards Nil
Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method Use points to pay off statement balance
1RP=₹1


Fees & Charges

Card City Union Bank SimplySAVE SBI Card
Joining Fee ₹499 + Taxes
Annual Fee ₹499 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹1 Lacs
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 42.00%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹500

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