SBI SimplySAVE vs HSBC Smart Value
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 | SBI SimplySAVE | HSBC Smart Value |
|---|---|---|
| Bank | SBI | HSBC India |
| Card Type | Rewards | Cashback |
| Annual Fee | ₹499 + GST | Lifetime Free |
| Joining Fee | ₹499 + GST | Nil |
| Rewards | 10X rewards on dining, grocery, movies & dept stores | 5% cashback on Swiggy, BigBasket, Amazon |
| Best For | Everyday Spending | Online Shopping |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 500 bonus reward points | None |
| Min Income | ₹20,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹249 + GST | Free |
| Rating | 4.2 | 4.2 |
| Contactless | ||
| EMI Conversion |
Key Features
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
HSBC Smart Value
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online platforms
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
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.