KVB SimplySAVE SBI Card Review 2026: Fees, Rewards, Benefits & FAQs
KVB SimplySAVE SBI Card costs ₹499 a year and is the Karur Vysya Bank edition of SimplySAVE SBI Card — 1.67% on dining, movies, grocery and departmental stores. Identical rates, caps and benefits to the parent card. Quick facts, what to watch, and FAQs.
The KVB SimplySAVE SBI Card is the edition of SBI Card's SimplySAVE SBI Card distributed through Karur Vysya Bank. It is offered to Karur Vysya Bank's own customers, typically through its branch network across Tamil Nadu.
The short version: this card is commercially identical to the SimplySAVE SBI Card. Its fee, fee-reversal threshold, reward rates, caps, welcome benefit, milestone programme, lounge entitlement, insurance and fuel surcharge waiver are all the same. A line-by-line comparison of the two product pages found no difference in any published rate, cap, fee or benefit — only the bank's name on the card, and on some pages a shorter lounge-list link. **For the full reward maths, worked examples, category analysis and fee schedule, see the SimplySAVE SBI Card review.** Everything in it applies here unchanged.
Quick Facts
| **Card type** | SimplySAVE SBI Card — Karur Vysya Bank edition |
|---|---|
| **Issued through** | Karur Vysya Bank |
| **Joining / annual fee** | ₹499 + GST, same on renewal — reversed at ₹1,00,000 of annual spend |
| **Network** | Visa, Mastercard or RuPay |
| **Top reward rate** | **1.67%** — 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery |
| **Base rate** | 0.17% — 1 Reward Point per ₹150 |
| **Welcome benefit** | 2,000 bonus Reward Points (₹500) on ₹2,000 spent in the first 60 days |
| **Monthly cap** | 5,000 Reward Points on the accelerated band, metered on the **calendar month** |
| **Fuel surcharge waiver** | 1% on ₹500–₹3,000, max ₹100 per statement cycle |
| **Lounge access** | None |
| **Reward value** | ₹0.25 per Reward Point (4 RP = ₹1) |
Who It Is For
KVB SimplySAVE SBI Card is an entry-level everyday rewards card built around four categories most households spend on every week. Choose it over the mainline SimplySAVE SBI Card on the strength of your banking relationship with Karur Vysya Bank — a branch you already use, an existing account, or a pre-approved offer — because the economics are the same either way.
If you hold no relationship with Karur Vysya Bank, the mainline SimplySAVE SBI Card gives you exactly the same card, and SBI Card distributes it directly.
What to Watch
The denominator is ₹150, not ₹100. That is what makes the base rate 0.17% rather than 0.25%, and accrual rounds down to complete ₹150 blocks on every transaction — so small, frequent purchases earn less efficiently than large ones.
The accelerated cap runs on the calendar month. Not your statement cycle. A large purchase on the 28th and another on the 2nd fall in different pools even though they land on the same bill.
Eligibility and How to Apply
The card is distributed through Karur Vysya Bank, so applications normally go through a Karur Vysya Bank branch or its own channels rather than SBI Card's website. SBI Card publishes no age or income threshold for this edition; approval rests on the bank's assessment of income, credit history and internal scoring. Indian residency and a valid PAN are required. Add-on cards are free.
Frequently Asked Questions
What is the annual fee of the KVB SimplySAVE SBI Card? ₹499 plus GST, on joining and renewal — the same as the mainline SimplySAVE SBI Card. The renewal fee is reversed if annual spend in the previous year reached ₹1,00,000.
Is it different from the SimplySAVE SBI Card? Not commercially. Every published rate, cap, fee, welcome benefit, milestone and lounge entitlement is identical. The difference is distribution — this edition is issued through Karur Vysya Bank.
What is the reward rate? 1.67% on dining, movies, grocery and departmental stores. The full breakdown, including the categories, caps and worked examples, is in the SimplySAVE SBI Card review.
How do I apply? Through Karur Vysya Bank, normally at a branch. The mainline SimplySAVE SBI Card is available directly from SBI Card if you have no Karur Vysya Bank relationship.
Which is the better card to hold? Whichever you can get more easily. They earn the same, cost the same and carry the same benefits, so there is no reward-based reason to prefer one over the other.
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