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STATE BANK OF INDIA
SBI Card SimplySAVE ELITE
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Verified Catalog
Source: STATE BANK OF INDIA Official
Updated: Sep 2026
Overview
Editorial snapshot & Positioning.
An upgraded variant of the SimplySAVE range offering higher reward rates on groceries, dining and movies with lounge access and spend-based fee waiver.
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
2,000 welcome reward points.
Highlight 2
10X reward points on groceries, dining, and movies.
Highlight 3
1 reward point per ₹100 on all other spends.
Highlight 4
2 complimentary domestic lounge visits per quarter.
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹1,499
The front-loaded charge when you apply.
Annual fee
₹1,499
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹1,499100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
No specific hotel loyalty benefits are registered.
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Summary
Pros, cons, rating, and decision metrics.
Expert opinion & editorial scorecard summarizing the card's position.
3.9 / 5
Pros
- APR: 3.5% per month (42% per annum)
Cons
- APR: 3.5% per month (42% per annum)
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Customer Reviews
3.9
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