{
  "id": "sbi-simplysave",
  "locale": "en",
  "name": "SBI SimplySAVE Credit Card",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "No lounge benefit established by captured card terms",
  "rewardsRate": "10 points / ₹150 on dining, movies, grocery and departmental stores · 1 point / ₹150 otherwise",
  "bestFor": "Shoppers whose transactions qualify under the listed merchant categories",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/simplysave-sbi-card.html",
  "affiliateId": "sbi-simplysave",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.sbicard.com/en/personal/credit-cards/simplysave-sbi-card.html",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/SimplySAVE-TnC.pdf",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf"
  ],
  "feeWaiver": "Waived at ₹1,00,000 annual spend",
  "networks": [],
  "quickFacts": [
    {
      "key": "First-year and renewal fee",
      "value": "₹499 + taxes each"
    },
    {
      "key": "Renewal waiver",
      "value": "₹1 lakh or more annual spend in preceding year"
    },
    {
      "key": "Accelerated earn",
      "value": "10 points/₹150 in eligible categories"
    },
    {
      "key": "Accelerated cap",
      "value": "5,000 points per calendar month; then base earn"
    },
    {
      "key": "Welcome condition",
      "value": "2,000 bonus points after ₹2,000 spend in first 60 days"
    }
  ],
  "earnRates": [
    {
      "category": "Eligible dining, movies, grocery and department stores",
      "rate": "10 points / ₹150",
      "monthlyCap": "5,000 points per calendar month; then 1 point / ₹150"
    },
    {
      "category": "Other eligible spend",
      "rate": "1 point / ₹150"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Eligible dining, movies, grocery and department stores",
      "multiplier": "10×",
      "rate": "10 points / ₹150",
      "monthlyCap": "5,000 points per calendar month",
      "note": "After the cap, 1 point per ₹150 on eligible transactions."
    }
  ],
  "redemptionRoutes": [],
  "exclusions": [
    "Fuel MCCs 5172, 5541, 5542 and 5983 do not earn reward points under the card terms.",
    "Other reward-program exclusions require a current Shop & Smile terms review; a blanket zero-point utility or wallet claim is not established here."
  ],
  "feesDetail": [
    {
      "item": "First-year fee",
      "value": "₹499 + applicable taxes"
    },
    {
      "item": "Renewal fee",
      "value": "₹499 + applicable taxes; reversed after at least ₹1 lakh annual spend in preceding year"
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "1% on ₹500–₹3,000 transactions; maximum ₹100 per statement cycle"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}