SBI SimplySAVE Credit Card vs Titan 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 → |  Titan SBI CardState Bank of India | |
|---|---|---|---|
| Rewards by spend | |||
| Rewards | 0.17% base, up to 1.67% on dining | 1.5% on most spends | |
| UPI payments (scan and pay)same | Earns nothing | Earns nothing | |
| Online shopping | 0.17% | 1.5% | |
| Dining and food delivery | 1.67% | 1.5% | |
| Groceries | 1.67% | 1.5% | |
| Travel: flights, hotels, trains | 0.17% | 1.5% | |
| Fuel | Earns nothing | Not stated | |
| Bills and recharges | 0.17% | Not stated | |
| Rent | Earns nothing | Not stated | |
| Insurance premiums | 0.17% | Not stated | |
| School and college fees | 0.17% | Not stated | |
| Wallet top-ups | 0.17% | Not stated | |
| Taxes and government payments | Earns nothing | Not stated | |
| Spend abroad or in a foreign currency | 0.17% | 1.5% | |
| Everything else | 0.17% | 1.5% | |
| Card identity | |||
| Card type | Dining | Rewards | |
| Networksame | Visa | Visa | |
| Card tier | Entry | Premium | |
| Fees | |||
| Joining fee | ₹499 + GST | ₹2,999 + GST | |
| Annual fee | ₹499 + GST | ₹2,999 + GST | |
| Fee waived at | ₹1,00,000 | ₹3,00,000 | |
| Eligibility | |||
| Employment type | BOTH | - | |
| Rewards | |||
| Reward typesame | Reward points | Reward points | |
| Point value | ₹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 | No | Yes | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPI | No | - | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| 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 | - | |
| 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
- ₹3,600
- Fee a year
- - ₹3,539
- You keep
- ₹61
At this spend, SBI SimplySAVE Credit Card comes out ₹1,259 a year ahead of Titan 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
- Spending ₹25,000 or more a month: the ₹3,539 fee is waived
- Flyers: 12 airport lounge visits a year
Watch-Outs
- Very low rate outside 10X categories
- Accelerated points are capped monthly
- No lounge access
- Skip it if you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
- Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- Skip it if you spend a lot on fuel, utility bills, rent or insurance: the card's terms do not state a rate there, so we count nothing
- 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, Titan 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 Titan SBI Card?
SBI SimplySAVE Credit Card. SBI SimplySAVE Credit Card: ₹499; Titan SBI Card: ₹2,999. 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%; Titan 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: Titan SBI Card 1.5%, 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
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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 →
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