Skip to content

Credit Cards Lifetime Free Rewards How It Works About Us Partners FAQ

Your bridge to the right credit card. Compare cards across participating issuers, check indicative eligibility and continue with the application you choose.

Need help?support@cardsetu.com

Browse by benefit

Lifetime Free cards
Cashback cards
Rewards cards
Shopping cards
Travel cards
Lounge cards
Movies cards
Fuel cards

Browse by bank

HDFC Bank
ICICI Bank
Axis Bank
SBI Card
IDFC FIRST Bank
IndusInd Bank
RBL Bank
AU Small Finance Bank

CardSetu

Credit Cards
Insights
How we compare
About Us
Partners
Contact Us
Privacy Policy
Terms of Use
CardSetu Rewards
Reward Terms

CardSetu is a credit-card comparison and referral/distribution platform. CardSetu does not itself issue credit cards; final verification, approval, credit limit and issuance are decided by the relevant issuing institution. Card features, fees and offers are indicative and may change; please confirm with the issuer. Eligibility shown on CardSetu is indicative only. CardSetu may receive referral or distribution compensation from participating partners when customers apply for or obtain eligible products.

© 2026 CardSetu

Home
Credit cards
SBI Card
SBI Smart Save

SBI

•••• •••• •••• 2048

SBI Smart Save

SBI Card

SBI Smart Save

4.1/ 5

Rewards
Shopping
Fuel

10 points per ₹150 on dining, movies, groceries and department stores

CardSetu Quick Take

Facts from the CardSetu catalogue · issuer: SBI Card

Best for: Regular spenders who will redeem points
Key strength: 10x points on everyday categories
Annual fee: ₹499
Joining fee: ₹499
Minimum monthly income: ₹20K per month
Lifetime free: No
Categories: Rewards,Shopping,Fuel
Main trade-off: Has no airport-lounge benefit.

Product details can change; verify current terms with the issuer before applying. See how CardSetu compares cards.

Key benefits

10x points on everyday categories
Annual fee reversed on ₹1 lakh yearly spend
Contactless payments

Rewards

10 points per ₹150 on dining, movies, groceries and department stores

Lounge, movies and fuel

Airport lounge
Not included with this card
Movies
Not included with this card
Fuel
1% fuel surcharge waiver on ₹500–₹3,000

Who can apply

Indicative criteria for the SBI Smart Save. Final approval is decided by SBI Card.

Age 21–70
Minimum ₹20,000 monthly income

Related on CardSetu

All rewards cards
All shopping cards
All fuel cards
Guide: Best Credit Cards for Online Shopping on CardSetu
Guide: Cashback vs Rewards Credit Cards: Which Fits You?

Documents you'll need

Keep these handy for the bank's application after your eligibility check.

PAN card
Aadhaar or other address proof
Latest 3 months' salary slips

Fees, benefits and offers are indicative and may change. Please confirm the latest terms on SBI Card's application page before applying.

At a glance

Joining fee: ₹499
Annual fee: ₹499
Minimum monthly income: ₹20K

Check eligibility

About 2 minutes. This indicative check does not involve a credit-bureau enquiry.

Unlocks after you complete the eligibility check.

SBI Smart Save

Annual fee: ₹499

Check eligibility