PNB Rupay Platinum vs SBI SimplySAVE
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
PNB Rupay Platinum Credit Card wins 5 of 8 dimensions with a CardTrail Score of 7.9/10 vs 6.5/10.
| Feature | PNB Rupay Platinum | SBI SimplySAVE |
|---|---|---|
| CardTrail Score | 7.9/10 | 6.5/10 |
| Annual Fee | ₹500 | ₹499 |
| Base Reward Rate | 0.5% | 0.7% |
| Max Reward Rate | 2% | 1.7% |
| Forex Markup | Zero | 3.5% |
| Domestic Lounges | 2 | 0 |
| International Lounges | 1 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa |
When to Choose PNB Rupay Platinum
- You can meet the fee waiver condition: Use card every quarter
- You travel internationally — saves ₹3,500/year on ₹1L forex spend
- You want higher rewards — up to 2% vs 1.7%
- Airport lounge access matters — 2 domestic visits
When to Choose SBI SimplySAVE
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: shopping, general
Forex Cost Comparison
On ₹1,00,000 annual international spending: PNB Rupay Platinum costs ₹0 in forex fees vs SBI SimplySAVE at ₹4,130. You save ₹4,130/year with PNB Rupay Platinum.
Annual Fee Value Analysis
To break even on PNB Rupay Platinum's ₹500 fee at 0.5% rewards, spend ₹8,333/month.
To break even on SBI SimplySAVE's ₹499 fee at 0.7% rewards, spend ₹5,940/month.