PNB Rupay Platinum vs SBI SimplySAVE
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI SimplySAVE
4.2
Why this card wins: Everyday Spending — 10X rewards on dining, grocery, movies & dept stores
| Feature | PNB Rupay Platinum | SBI SimplySAVE |
|---|---|---|
| Bank | Punjab National Bank | SBI |
| Card Type | Entry Level | Rewards |
| Annual Fee | ₹299 + GST | ₹499 + GST |
| Joining Fee | ₹99 + GST | ₹499 + GST |
| Rewards | 2 reward points per ₹100 on all spends | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Budget Users | Everyday Spending |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹25,000 - ₹1,50,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | 500 bonus reward points |
| Min Income | ₹12,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 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 | 3.9 | 4.2 |
| Contactless | ||
| EMI Conversion |
Key Features
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Our Pick
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.