SBI SimplySAVE Credit Card vs Shaurya SBI 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 SimplySAVE Credit CardState Bank of India4 recent changes → |  Shaurya SBI CardState Bank of India5 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.17% base, up to 1.67% on dining | 0.25% base, up to 1.25% on dining | |
| UPI payments (scan and pay) | Earns nothing | 0.25% | |
| Online shopping | 0.17% | 0.25% | |
| Dining and food delivery | 1.67% | 1.25% | |
| Groceries | 1.67% | 1.25% | |
| Travel: flights, hotels, trains | 0.17% | 0.25% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and recharges | 0.17% | 0.25% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 0.17% | 0.25% | |
| School and college fees | 0.17% | 0.25% | |
| Wallet top-ups | 0.17% | 0.25% | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currency | 0.17% | 0.25% | |
| Everything else | 0.17% | 0.25% | |
| Card identity | |||
| Card typesame | Dining | Dining | |
| Network | Visa | RuPay | |
| Card tiersame | Entry | Entry | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹250 + GST | |
| Annual fee | ₹499 + GST | ₹250 + GST | |
| Fee waived at | ₹1,00,000 | ₹50,000 | |
| Eligibility | |||
| Employment type | BOTH | SALARIED | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point valuesame | ₹0 | ₹0 | |
| Fuel surcharge | |||
| Fuel surcharge waiversame | Yes | Yes | |
| Fuel waiver cap | ₹100 | - | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | 2.75% | |
| Interest rate (annual) | 45% | 33% | |
| Page content | |||
| Documents needed | 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 / address proof Defence service ID / proof of service Income proof (salary slips or ITR) Recent passport-size photograph | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹1,320
- Fee a year
- ₹0
- You keep
- ₹1,320
- Rewards a year
- ₹1,212
- Fee a year
- ₹0
- You keep
- ₹1,212
At this spend, SBI SimplySAVE Credit Card comes out ₹108 a year ahead of Shaurya SBI 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
- First-time card users
- Families with regular grocery bills
- People who eat out often
- Dining: 1.25% back, up to ₹1,250 a month
- Groceries: 1.25% back, up to ₹1,250 a month
- Spending ₹4,167 or more a month: the ₹295 fee is waived
Watch-Outs
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
- Skip it if you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹295 fee is then charged
- Skip it if most of your spending is fuel, rent or government payments: those earn nothing on this card
- Skip it if you rarely spend on dining or groceries: the 1.25% rate applies only there, everything else earns 0.25%
- Skip it if you often pay in foreign currency: 3.5% is added to every foreign spend
Card data sourced via CardAdvisor.in (SBI SimplySAVE Credit Card, Shaurya SBI Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Questions People Ask
Which has the lower annual fee, SBI SimplySAVE Credit Card or Shaurya SBI Card?
Shaurya SBI Card. Shaurya SBI Card: ₹250; SBI SimplySAVE Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.
Which is better for spending abroad?
SBI SimplySAVE Credit Card has the lowest forex markup. SBI SimplySAVE Credit Card: 3.5%; Shaurya SBI 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: Shaurya SBI Card 0.25%, 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
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Guides in Plain Words
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