SBI Card · Entry
SBI SimplySAVE
Where it ranks across all 187 cards
#41 Dining out
1.7%
direct
#45 Movies & events
1.7%
direct
#47 Groceries
1.7%
direct
#90 Insurance
0.2%
direct
#94 Education
0.2%
direct
#107 Utility bills
0.2%
direct
#132 Jewellery & watches
0.2%
direct
#134 Gaming
0.2%
direct
#147 Mobile / broadband
0.2%
direct
#159 Train tickets
0.2%
direct
#165 Cabs & transit
0.2%
direct
#174 Flights
0.2%
direct
#174 Hotels
0.2%
direct
#174 Other
0.2%
direct
#175 Electronics
0.2%
direct
#175 Health & pharmacy
0.2%
direct
#176 Online shopping
0.2%
direct
#177 Food delivery
0.2%
direct
#177 Fashion
0.2%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.17%base rate
1 pt / ₹150
source
Source: SBI SimplySAVE MITC - sbicard.com - read 21 Aug 2026
10X dining/groceries/movies/dept stores
1.67%this rule
10 pts / ₹150
source
Source: SBI SimplySAVE T&C (bank PDF, verified Aug 2026) - sbicard.com - read 21 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on5 exclusions
Fuel
earns nothing
Fuel excluded from rewards (card T&C).
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: SimplySAVE SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads excluded (bank rewards FAQ).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: SBI Card rewards FAQ (bank site) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rent excluded w.e.f. 1 Apr 2024 (SimplySAVE on the bank card list).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: SBI Card rent-exclusion card list w.e.f. 1 Apr 2024 (bank PDF) - sbicard.com - read 22 Aug 2026
Government / tax
earns nothing
Government transactions excluded w.e.f.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
1 Jun 2024 (bank card list).
categories: Government / tax · MCCs: 9399, 9311
Source: SBI Card govt-exclusion card list w.e.f. 1 Jun 2024 (bank PDF) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
Flexipay and Merchant EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: SimplySAVE SBI Card T&C (bank PDF) - sbicard.com - read 22 Aug 2026