Reliance SBI Card vs SimplySAVE SBI Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: Reliance SBI Card earns higher net annual returns at standard spend tiers.
- Annual Fee: Reliance SBI Card (₹499/yr) vs SimplySAVE SBI Card (₹499/yr).
- Base Reward Rate: Reliance SBI Card (0.25 pts/₹100) vs SimplySAVE SBI Card (0.167 pts/₹100).
- Lounge Access: Reliance SBI Card (0 dom) vs SimplySAVE SBI Card (0 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived
2SBI Card · fee waived
Smart verdict
Get the Reliance SBI Card — it earns you +₹4,638/yr over the SimplySAVE SBI Card, mostly from your other online shopping spend.
How Your Spends Convert to Rewards
Live calculation breakdown for Reliance SBI Card
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Other Online Shopping | ₹6,000/mo | 10 Pts / ₹100 | 600 pts7,200 pts/yr | ₹150 | ₹1,800/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 10 Pts / ₹100 | 350 pts4,200 pts/yr | ₹88 | ₹1,050/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 10 Pts / ₹100 | 200 pts2,400 pts/yr | ₹50 | ₹600/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 5 Pts / ₹100 | 250 pts3,000 pts/yr | ₹63 | ₹750/yr | Active Earn |
Groceries | ₹7,000/mo | 0.25 Pts / ₹100 | 18 pts216 pts/yr | ₹4 | ₹53/yr | Active Earn |
Fuel | ₹4,000/mo | 0.25 Pts / ₹100 | 10 pts120 pts/yr | ₹43(incl. ₹40 waiver) | ₹510/yr | Fuel Waiver Stacked |
Utilities & Bills | ₹4,000/mo | 0.25 Pts / ₹100 | 10 pts120 pts/yr | ₹3 | ₹30/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 0.25 Pts / ₹100 | 10 pts120 pts/yr | ₹3 | ₹30/yr | Active Earn |
Rent | ₹10,000/mo | 0.25 Pts / ₹100 | 25 pts300 pts/yr | ₹6 | ₹75/yr | Active Earn |
Insurance | ₹1,500/mo | 0.25 Pts / ₹100 | 4 pts48 pts/yr | ₹1 | ₹11/yr | Active Earn |
Other / Offline | ₹3,000/mo | 5 Pts / ₹100 | 150 pts1,800 pts/yr | ₹38 | ₹450/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | Reliance SBI CardSBI Card | SimplySAVE SBI CardSBI Card |
|---|---|---|
| Joining fee | ₹499 | ₹499 |
| Annual fee | ₹499/yr | ₹499/yr |
| Fee waiver | Spend ₹1,00,000/yr | Spend ₹1,00,000/yr |
| Base reward | 0.25 pts / ₹100 | 0.167 pts / ₹100 |
| Top reward categories | 10x online, 5x dining, 5x other | 1.667x dining, 1.667x groceries |
| Redemption friction | Moderate | Moderate |
| Point expiry | 24 months | 24 months |
| Lounge access | None | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹100/mo | 1% waiver, up to ₹100/mo |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not published by bank | Not published by bank |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-07Official SBI Card Credit Card Page | Updated 2026-07Official SBI Card Credit Card Page |
Verdict at a Glance
Choose Reliance SBI Card if your monthly spending is focused on online, dining.
Choose SimplySAVE SBI Card if you spend heavily on dining, groceries.
Reliance SBI Card vs SimplySAVE SBI Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
Reliance SBI Card
At ₹25,000/month, Reliance SBI Card nets ₹3,812/yr vs SimplySAVE SBI Card at ₹1,197/yr — a ₹2,615 edge.
Reliance SBI Card
At ₹50,000/month, Reliance SBI Card nets ₹6,358/yr vs SimplySAVE SBI Card at ₹1,719/yr — a ₹4,638 edge.
Reliance SBI Card
At ₹1,00,000/month, Reliance SBI Card nets ₹11,754/yr vs SimplySAVE SBI Card at ₹2,565/yr — a ₹9,189 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, Reliance SBI Card or SimplySAVE SBI Card?▼
At a typical ₹50,000/month spend (cashback redemption), Reliance SBI Card comes out ahead by about ₹4,638 per year, driven mostly by other online shopping spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, Reliance SBI Card or SimplySAVE SBI Card?▼
Reliance SBI Card earns 0.25 pts/₹100 as a base, while SimplySAVE SBI Card earns 0.167 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for Reliance SBI Card and SimplySAVE SBI Card?▼
Reliance SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend. SimplySAVE SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend.
Do Reliance SBI Card and SimplySAVE SBI Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. Reliance SBI Card excludes none noted; SimplySAVE SBI Card excludes rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is SimplySAVE SBI Card ever the better pick over Reliance SBI Card?▼
Within a normal spend range at ₹50,000/month, Reliance SBI Card stays ahead. SimplySAVE SBI Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.