PNB Rupay Platinum 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 | 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
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: PNB Rupay Platinum or SBI SimplySAVE?
SBI SimplySAVE has the higher CardKhoj rating (4.2/5) and is best for everyday spending. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: PNB Rupay Platinum and SBI SimplySAVE?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹499 + GST for SBI SimplySAVE.
Do PNB Rupay Platinum and SBI SimplySAVE offer airport lounge access?
No. None of these cards include complimentary airport 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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