BoB Select vs SBI SimplySAVE
Side-by-side credit card comparison to help you choose the best one.
SBI SimplySAVE
Why this card wins: Everyday Spending — 10X rewards on dining, grocery, movies & dept stores
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | SBI |
| Card Type | Entry Level | Rewards |
| Annual Fee | ₹499 + GST | ₹499 + GST |
| Joining Fee | ₹499 + GST | ₹499 + GST |
| Rewards | 2 reward points per ₹100 spent | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Everyday Spending | Everyday Spending |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 500 reward points on first spend | 500 bonus reward points |
| Min Income | ₹15,000/month | ₹20,000/month |
| Lounge Access | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST |
| Rating | 4 | 4.2 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
SBI SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
Verdict
Based on rating and overall value, SBI SimplySAVE ranks highest among your selected cards. It excels at Everyday Spending and offers 10X rewards on dining, grocery, movies & dept stores.
Frequently asked questions
Which is better: BoB Select or SBI SimplySAVE?
SBI SimplySAVE has the higher CardKhoj rating (4.2/5) and is best for everyday spending. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and SBI SimplySAVE?
They have the same annual fee: ₹499 + GST.
Do BoB Select and SBI SimplySAVE offer airport lounge access?
BoB Select: 2 domestic per year. SBI SimplySAVE: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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