SBI SimplySAVE vs PNB Rupay Platinum vs Canara RuPay Select
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 | PNB Rupay Platinum | Canara RuPay Select |
|---|---|---|---|
| Bank | SBI | Punjab National Bank | Canara Bank |
| Card Type | Rewards | Entry Level | Entry Level |
| Annual Fee | ₹499 + GST | ₹299 + GST | ₹500 + GST |
| Joining Fee | ₹499 + GST | ₹99 + GST | ₹500 + GST |
| Rewards | 10X rewards on dining, grocery, movies & dept stores | 2 reward points per ₹100 on all spends | 1 reward point per ₹100 spent |
| Best For | Everyday Spending | Budget Users | Budget Users |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹25,000 - ₹1,50,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 500 bonus reward points | None | None |
| Min Income | ₹20,000/month | ₹12,000/month | ₹12,000/month |
| Lounge Access | None | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹249 + GST | Free | Free |
| Rating | 4.2 | 3.9 | 3.8 |
| 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
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
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
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.