{
  "id": "sbi-simplysave",
  "locale": "hinglish",
  "name": "SBI SimplySAVE Credit Card",
  "bank": "SBI Card",
  "cardType": "shopping",
  "cardTier": "entry",
  "annualFee": "₹499 + GST",
  "loungeAccess": "Captured card terms se lounge benefit establish nahi hua",
  "rewardsRate": "Dining, movies, grocery aur departmental stores par 10 points / ₹150 · baaki par 1 point / ₹150",
  "bestFor": "Shoppers jinke transactions listed merchant categories mein aate hain",
  "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": "₹1,00,000 annual spend complete karne par fee waive",
  "networks": [],
  "quickFacts": [
    {
      "key": "First-year aur renewal fee",
      "value": "Dono ₹499 + taxes"
    },
    {
      "key": "Renewal waiver",
      "value": "Pichhle saal ₹1 lakh ya zyada spend"
    },
    {
      "key": "Accelerated earn",
      "value": "Eligible categories mein 10 points/₹150"
    },
    {
      "key": "Accelerated cap",
      "value": "Har calendar month 5,000 points; phir base rate"
    },
    {
      "key": "Welcome condition",
      "value": "Pehle 60 din mein ₹2,000 spend par 2,000 bonus points"
    }
  ],
  "earnRates": [
    {
      "category": "Eligible dining, movies, grocery aur department stores",
      "rate": "10 points / ₹150",
      "monthlyCap": "Har calendar month 5,000 points; phir 1 point / ₹150"
    },
    {
      "category": "Other eligible spend",
      "rate": "1 point / ₹150"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Eligible dining, movies, grocery aur department stores",
      "multiplier": "10×",
      "rate": "10 points / ₹150",
      "monthlyCap": "Har calendar month 5,000 points",
      "note": "Cap ke baad eligible transactions par ₹150 mein 1 point."
    }
  ],
  "redemptionRoutes": [],
  "exclusions": [
    "Card terms ke mutabik fuel MCCs 5172, 5541, 5542 aur 5983 par reward points nahi milte.",
    "Baaki reward exclusions ke liye current Shop & Smile terms check karni hain; sabhi utility ya wallet spend par zero points ka claim yahan established nahi hai."
  ],
  "feesDetail": [
    {
      "item": "First-year fee",
      "value": "₹499 + applicable taxes"
    },
    {
      "item": "Renewal fee",
      "value": "₹499 + applicable taxes; pichhle saal kam se kam ₹1 lakh spend par reverse"
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "₹500–₹3,000 transactions par 1%; har statement cycle maximum ₹100"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}