SBI SimplySave credit card has a lot of advantages in various segments like movies, dining and at departmental stores. You can earn 10 reward points for every 100 rupees spent on dining, movies and at departmental or grocery stores. On all other spends you can earn 1 reward point for every 100 rupees spent and 4 reward points are equal to one rupee. This credit card also has worldwide acceptance. You also have the fuel surcharge waiver at any petrol bunk. The joining fee is very minimal (Rs.499/-). You get 100 rupees cashback on your first ATM withdrawal done within 30 days of your card issuance. You also have other features like balance transfer and easy money.

Some of the cons would be that you have an over limit free of 2.5% of the total over limit amount. Conversion mark-up for foreign currency transactions is 3.5%. You also have to pay 99 rupees to redeem your reward points.