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SBI SimplySAVE Credit Card vs Shaurya Select 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.

SBI SimplySAVE Credit Card versus Shaurya Select SBI Card compared
FeatureSBI SimplySAVE Credit CardSBI SimplySAVE Credit CardState Bank of India4 recent changes →
Shaurya Select SBI CardShaurya Select SBI CardState Bank of India5 recent changes →
Rewards by spend
Rewards0.17% base, up to 1.67% on dining0.5% base, up to 2.5% on dining
UPI payments (scan and pay)Earns nothing0.5%
Online shopping0.17%0.5%
Dining and food delivery1.67%2.5%
Groceries1.67%2.5%
Travel: flights, hotels, trains0.17%0.5%
FuelsameEarns nothingEarns nothing
Bills and recharges0.17%0.5%
RentsameEarns nothingEarns nothing
Insurance premiums0.17%0.5%
School and college fees0.17%0.5%
Wallet top-ups0.17%Earns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.17%0.5%
Everything else0.17%0.5%
Card identity
Card typesameDiningDining
NetworkVisaRuPay
Card tierEntryMid
Fees
Joining fee₹499 + GSTFree
Annual fee₹499 + GST₹1,499 + GST
Fee waived at₹1,00,000₹1,50,000
Eligibility
Employment typeBOTHSALARIED
Rewards
Reward typesameReward pointsReward points
Point valuesame₹0₹0
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits-4
International lounge visits-0
Lounge condition-4 complimentary domestic airport lounge visits every year (max 1 per quarter)
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)3.75%2.75%
Interest rate (annual)45%33%
Page content
Documents neededPAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photographPAN card Aadhaar / address proof Defence service ID / proof of service Income proof (salary slips or ITR) Recent passport-size photograph
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Worth in Rupees at ₹20,000 a Month

SBI SimplySAVE Credit Card
Rewards a year
₹1,320
Fee a year
₹0
You keep
₹1,320
Shaurya Select SBI Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400

At this spend, Shaurya Select SBI Card comes out ₹1,080 a year ahead of SBI SimplySAVE 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

SBI SimplySAVE Credit Card
  • First-time card users
  • Families with regular grocery bills
  • People who eat out often
Shaurya Select SBI Card
  • Dining: 2.5% back, up to ₹1,500 a month
  • Groceries: 2.5% back, up to ₹1,500 a month
  • Spending ₹12,500 or more a month: the ₹1,769 fee is waived
  • Flyers: 4 airport lounge visits a year

Watch-Outs

SBI SimplySAVE Credit Card
  • Very low rate outside 10X categories
  • Accelerated points are capped monthly
  • No lounge access
Shaurya Select SBI Card
  • Skip it if you spend less than ₹12,500 a month (₹1,50,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
  • Skip it if you rarely spend on dining or groceries: the 2.5% rate applies only there, everything else earns 0.5%
  • 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 Select 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 Select SBI Card?

SBI SimplySAVE Credit Card. SBI SimplySAVE Credit Card: ₹499; Shaurya Select SBI Card: ₹1,499. 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 Select 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 Select SBI 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.

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