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City Union BankFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
10 reward points on every Rs. 150 spent on dining, movies, grocery and departmental store purchases; 1 reward point per Rs. 150 spent on other categories
4 reward points = Rs. 1. Rewards can be redeemed against vouchers.
The privileges that come bundled in, beyond the reward points.
10X rewards on dining, movies & grocery
Entry-level Low annual fee & easy approval
Welcome Benefit 2,000 bonus reward points worth Rs. 500
An honest read on where this card earns its keep — and where it doesn't.
10X rewards on dining, movies & grocery
Entry-level Low annual fee & easy approval
Lower value-back in comparison to some cashback cards and mid-range cards
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with City Union Bank before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of City Union Bank are often approved on slightly lower scores.
Everything you need to know about City Union Bank Simplysave SBI Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for City Union Bank Simplysave SBI Card is nominal, and the annual renewal fee is ₹499 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for City Union Bank Simplysave SBI Card from City Union Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
City Union Bank Simplysave SBI Card is designed to reward everyday spends. It currently features: "2,000 bonus reward points worth Rs. 500 on spending Rs. 2,000 within 60 days of credit card issuance". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via City Union Bank's rewards portal.
City Union Bank Simplysave SBI Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for City Union Bank Simplysave SBI Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
