SBI Prime vs SimplySAVE Credit Card Compared
Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.
| Feature |  SBI Prime Credit CardState Bank of India5 recent changes → |  SBI SimplySAVE Credit CardState Bank of India4 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.5% base, up to 2.5% on dining | 0.17% base, up to 1.67% on dining | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.5% | 0.17% | |
| Dining and food delivery | 2.5% | 1.67% | |
| Groceries | 2.5% | 1.67% | |
| Travel: flights, hotels, trains | 0.5% | 0.17% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.5% | 0.17% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.5% | 0.17% | |
| School and college fees | 0.5% | 0.17% | |
| Wallet top-ups | Earns nothing | 0.17% | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.5% | 0.17% | |
| Everything else | 0.5% | 0.17% | |
| Card identity | |||
| Card typesame | Dining | Dining | |
| Network | Mastercard | Visa | |
| Card tier | Premium | Entry | |
| Fees | |||
| Joining fee | ₹2,999 + GST | ₹499 + GST | |
| Annual fee | ₹2,999 + GST | ₹499 + GST | |
| Fee waived at | ₹3,00,000 | ₹1,00,000 | |
| Eligibility | |||
| Employment typesame | BOTH | BOTH | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | - | ₹100 | |
| Lounge access | |||
| Domestic lounge visits | 8 | - | |
| International lounge visits | 4 | - | |
| Lounge programme | PRIORITY_PASS | - | |
| Priority Pass | Yes | No | |
| Lounge condition | 8 domestic lounge visits a year (2 a quarter) + 4 international Priority Pass visits a year (2 a quarter), with a complimentary Priority Pass membership worth $99 | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly)same | 3.75% | 3.75% | |
| Interest rate (annual)same | 45% | 45% | |
| Page content | |||
| Documents neededsame | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- - ₹3,539
- You keep
- - ₹1,139
- Rewards a year
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
At this spend, SBI SimplySAVE Credit Card comes out ₹2,459 a year ahead of SBI Prime Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.
Best For
- Families with regular dining and grocery bills
- Occasional flyers
- People who value milestone vouchers
- First-time card users
- Families with regular grocery bills
- People who eat out often
Watch-Outs
- Only about 0.5% on non-bonus spends
- 3.5% forex fee
- Monthly cap on 10X points
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
Card data sourced via CardAdvisor.in (SBI Prime Credit Card, SBI SimplySAVE Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI Prime Credit Card or SBI SimplySAVE Credit Card?
SBI SimplySAVE Credit Card. SBI SimplySAVE Credit Card: ₹499; SBI Prime Credit Card: ₹2,999. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI Prime Credit Card has the lowest forex markup. SBI Prime Credit Card: 3.5%; SBI SimplySAVE Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.
Which earns more on everyday spending?
On spends outside any bonus category: SBI Prime Credit Card 0.5%, SBI SimplySAVE Credit Card 0.17%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Can I hold more than one of these cards?
Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.
Work Out the Numbers
Other Comparisons
- SBI Prime Credit Card vs HSBC Live Plus Credit CardSide by side →
- SBI Prime Credit Card vs SBI BPCL Credit CardSide by side →
- SBI Prime Credit Card vs SBI BPCL Octane Credit CardSide by side →
- SBI SimplySAVE Credit Card vs HSBC Live Plus Credit CardSide by side →
- SBI SimplySAVE Credit Card vs SBI BPCL Credit CardSide by side →
- SBI SimplySAVE Credit Card vs SBI BPCL Octane Credit CardSide by side →
We earn a commission if you are approved, and you pay nothing extra. How we make money.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹1,000 a Year in India (2026)Credit cards with an annual fee of ₹1,000 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
