SBI CARD UPGRADING PROCESS via APP.

[sonuJai]

🔍 SBI Credit Card Upgrade:
I received an offer from SBI SIMPLY SAVE TO PRIME Card upgrade, my earlier card has annual fee date Nov 3. Last year Ipaid fee 499 GST at 3 NOV 2024 & immediately got reversal of 499 due to fee waived as 1L+ transactions.

Now, I'm planning to upgrade from SBI SimplySAVE to SBI PRIME (RuPay) via the official SBI Card app. Before I proceed, I have several doubts that I hope community members can help clarify:


📌 Card & Billing Related Queries

1. If I upgrade now (July 2025), will I be charged both the ₹2,999 joining fee and ₹2,999 annual fee within a short span (e.g. 3–4 months)? As my annual fee date is Nov 2024.

2. Will my old SimplySAVE card’s annual fee cycle still apply after upgrade, or does it reset to a new cycle?

3. What’s the exact billing logic: Is joining fee charged at upgrade time, or at next renewal date (e.g., October or November)?

4. If I upgraded in July 2025, will the ₹3L annual spend required for fee waiver count from July 2025–November 2025 OR. July 2025– November 2026?



💳 Fee Cycle Confusion

5. Will I be double-charged: one for the upgrade (joining fee) and another for regular annual renewal in a few months? Eg in 2025 [July -NOV]

6. Will I have to meet the ₹3L spend within 3 months if I upgrade now, or is it better to wait till original anniversary month as it will fresh counting?



🎯 Strategic Planning

12. Is it better to wait till the original anniversary month (November 2025) to upgrade and avoid double fees?

14. Basically after CARD Upgrading how JOINING/ RENEAL FEE CYCLE WORKS ?

Let me know if you've faced similar issues or have clarity from personal experience.
Thanks in advance to the community 🙏

 

[anu29]

I have recently upgraded my sbi simplysave to sbi prime card . They will charge Annual fees as per your first ( Simply Save card ) date only and the worst part is they will only consider spend of prime card during that time period . By the way they provide 3000 voucher after charging annual fees .

There is no joining fee in my and Maximum upgradation CASES .

 

[hellowo₹ld]

annual fee = in sbi terms, joining fee
renewal fee = in sbi terms, renewal fee / annual fee


dont be confused that annual fee and renewal fee same, they’re not in sbicard.

new upgraded card annual fee will be billed Nov (as per old card date).

new upgraded card milestone will be billed July (as per new card date).

btw, advise: prime is not ok card even, there is no need to upgrade to it. simplyclick way better.

 

[sonuJai]

annual fee = in sbi terms, joining fee
renewal fee = in sbi terms, renewal fee / annual fee


dont be confused that annual fee and renewal fee same, they’re not in sbicard.

new upgraded card annual fee will be billed Nov (as per old card date).

new upgraded card milestone will be billed July (as per new card date).

btw, advise: prime is not ok card even, there is no need to upgrade to it. simplyclick way better.

Thank you soo much for the deatil info.....

The case is I have Simply save and i have spent almost 2.29L till july since last year so comparatively on spending very less rewards. Applied for SBI CASHBACK as well as SBI BPCL OCTANE both Rejected so my main purpose is to upgrade in premium category then get SBI CB or OCTANE later as I got to know premium tier card increases approval forother CCs.
( kindly please your view on how true it is?) Only this reason I was considering upgrade

But now as per your info its almost impossible to spent 3L in 3 months so looks difficult and paying almost 7k as fee is too hefty as well.


Thanks a lot for clear details 🙏

 

[sonuJai]

I have recently upgraded my sbi simplysave to sbi prime card . They will charge Annual fees as per your first ( Simply Save card ) date only and the worst part is they will only consider spend of prime card during that time period . By the way they provide 3000 voucher after charging annual fees .

There is no joining fee in my and Maximum upgradation CASES .

No joining fee didn’t git do you mean after Voucher deductions? Or no joining and only annual fee?


If you brief like how much you charged after upgradition within your CARDS Annual Billing cycle.

 

[hellowo₹ld]

Thank you soo much for the deatil info.....

The case is I have Simply save and i have spent almost 2.29L till july since last year so comparatively on spending very less rewards. Applied for SBI CASHBACK as well as SBI BPCL OCTANE both Rejected so my main purpose is to upgrade in premium category then get SBI CB or OCTANE later as I got to know premium tier card increases approval forother CCs.
( kindly please your view on how true it is?) Only this reason I was considering upgrade

But now as per your info its almost impossible to spent 3L in 3 months so looks difficult and paying almost 7k as fee is too hefty as well.


Thanks a lot for clear details 🙏

u dont need to spend, afair based on last time conversion this upgrade is fyf or till renewal its free. check tncs or share it once.

 

[Goli]

Why to take SBI Prime, doesn't feel worth 3000?

 

[anu29]

No joining fee didn’t git do you mean after Voucher deductions? Or no joining and only annual fee?


If you brief like how much you charged after upgradition within your CARDS Annual Billing cycle.

No - there is no joining fee .

Voucher is for annual fee which is 3000 .

 

[sonuJai]

THIS IS THE MAIL REPLY FROM SBI

We would like to inform you that your yearly billing cycle also changed as your card is flipped/upgrade/downgrade.

Your provious spendings does not count for the milsestones or SBR of the new card.

You yearly billing cycle starts from the day your account gets transferred to new card.

Annual fee for the new card will be levied if upgraded and will be adjusted if downgraded

 

[sonuJai]

No - there is no joining fee .

Voucher is for annual fee which is 3000 .

SO YOU HAVENT PAID ANYTHING FOR JOINING PRIME CARD FROM SIMPLY SAVE?

AND THE ANNUAL FEE WILL BE CHARGED AFTER 1 YEAR


IS THIS CORRECT?

 

[anu29]

SO YOU HAVENT PAID ANYTHING FOR JOINING PRIME CARD FROM SIMPLY SAVE?

AND THE ANNUAL FEE WILL BE CHARGED AFTER 1 YEAR


IS THIS CORRECT?

not after 1 year ..when you have annual charges according to simplysave card .

lets see an example .

if your SS card is issued in june 2025 and You upgrade it to prime card in the month of April 2026 then also you have to pay annual charges in 2026 june month only not in April 26.

Spends of SS card will not be considered after upgradation for renewal fee waiver.

and there is no joining charges .

 

[pratik077]

I have recently upgraded my sbi simplysave to sbi prime card . They will charge Annual fees as per your first ( Simply Save card ) date only and the worst part is they will only consider spend of prime card during that time period . By the way they provide 3000 voucher after charging annual fees .

There is no joining fee in my and Maximum upgradation CASES .

Any limit enhancement chances on Card Upgradation?

 

[sonuJai]

Yes U got it right ..!!

ONE LAST QUESTION

SO IS IT CONFIREMED NOW, ALSO to rule out ISNT THAT SPECIFIC OFFER & TO BE SURE CAN YOU CONFIRMED DID YOU UPGRADED RECENTLY 2025?

YOUR RECOMMENDATION IS IT CARD GOOD FOR UPGRADE CONSIDERING SIMPLY SAVE?




HERE IS SS OF UPGRADE WINDOW SHARE FOR YOUR REF; KINDLY CONFIREMED SAME YOU TOO SHOWN WHILE UPGRADATION PROCESS.



THANKS A LOT FOR THE SUPPORT 🙏🫡

 

[sonuJai]

Any limit enhancement chances on Card Upgradation?

YES I GOT TO KNOW WITHIN 6 MONTHS THATS ONE OF THE REASON IM CONSIDERING THIS....

 

[anu29]

Any limit enhancement chances on Card Upgradation?

Well it depends ..
Since I am using this card extensibly ... I got 80% limit increment last month ( exactly after 7 months of upgradation).

 

[sonuJai]

Well it depends ..
Since I am using this card extensibly ... I got 80% limit increment last month ( exactly after 7 months of upgradation).

Bro check DM once.

 

[pratik077]

Well it depends ..
Since I am using this card extensibly ... I got 80% limit increment last month ( exactly after 7 months of upgradation).

You get any enhancement on previous card?

 

[Deepak_Shetty]

🔍 SBI Credit Card Upgrade:
I received an offer from SBI SIMPLY SAVE TO PRIME Card upgrade, my earlier card has annual fee date Nov 3. Last year Ipaid fee 499 GST at 3 NOV 2024 & immediately got reversal of 499 due to fee waived as 1L+ transactions.

Now, I'm planning to upgrade from SBI SimplySAVE to SBI PRIME (RuPay) via the official SBI Card app. Before I proceed, I have several doubts that I hope community members can help clarify:


📌 Card & Billing Related Queries

1. If I upgrade now (July 2025), will I be charged both the ₹2,999 joining fee and ₹2,999 annual fee within a short span (e.g. 3–4 months)? As my annual fee date is Nov 2024.

2. Will my old SimplySAVE card’s annual fee cycle still apply after upgrade, or does it reset to a new cycle?

3. What’s the exact billing logic: Is joining fee charged at upgrade time, or at next renewal date (e.g., October or November)?

4. If I upgraded in July 2025, will the ₹3L annual spend required for fee waiver count from July 2025–November 2025 OR. July 2025– November 2026?



💳 Fee Cycle Confusion

5. Will I be double-charged: one for the upgrade (joining fee) and another for regular annual renewal in a few months? Eg in 2025 [July -NOV]

6. Will I have to meet the ₹3L spend within 3 months if I upgrade now, or is it better to wait till original anniversary month as it will fresh counting?



🎯 Strategic Planning

12. Is it better to wait till the original anniversary month (November 2025) to upgrade and avoid double fees?

14. Basically after CARD Upgrading how JOINING/ RENEAL FEE CYCLE WORKS ?

Let me know if you've faced similar issues or have clarity from personal experience.
Thanks in advance to the community 🙏

If you want upgrade, go via retention route. Generally they will reverse the fee paid to your current card and will waive off the annual fee (joining fee) of your upgraded card. In app, you may not get these benefits.

 

[pratik077]

If you want upgrade, go via retention route. Generally they will reverse the fee paid to your current card and will waive off the annual fee (joining fee) of your upgraded card. In app, you may not get these benefits.

What is retention route?
How to go via retention route?

 

[anu29]

ONE LAST QUESTION

SO IS IT CONFIREMED NOW, ALSO to rule out ISNT THAT SPECIFIC OFFER & TO BE SURE CAN YOU CONFIRMED DID YOU UPGRADED RECENTLY 2025?

YOUR RECOMMENDATION IS IT CARD GOOD FOR UPGRADE CONSIDERING SIMPLY SAVE?




HERE IS SS OF UPGRADE WINDOW SHARE FOR YOUR REF; KINDLY CONFIREMED SAME YOU TOO SHOWN WHILE UPGRADATION PROCESS.



THANKS A LOT FOR THE SUPPORT 🙏🫡View attachment 105026

Thanks for the appreciation @sonuJai

Definitely its one of the best UPGRADES ac to me.



Well I have seen many Influencers talking shit about this card .. but .. but --

1. You can get exact 0.25 paisa value of reward points - just call customer care to redeem it [ Statement credit ] ( If you have a decent rp now redeem it after upgradation , it will be beneficial ). FOr SS card or Simply click CC Many CC Influencers you get 1 rp = 0.25 paisa but thats not true , thoose who redeemed it may know this . It is even better value back than SBI ELITE . YOU CAN USE ONLINE OR OFFLINE OR UPI everywhere u can get this return.

2. YOU get 10 RP which 2.5 % on widely used categories like grocery and departmental stores etc even for **UPI SPENDS ALSO** and the best Part is it also considered in milestone 50k quaterly = 1000 pizza gift voucher again 2% valueback , so if you genuinely spends 50k in 3 months you will get 4.5% valueback.

3.If you purchase 3000 INR worth clothes in a year ( as U get 3000 voucher - you can choose it according to yourself but Shopperstop is best according to me ) then ultimately you have to pay only GST .

4. And my Favourite part is you get 8 domestic lounge ..... Wait...Wait.......Wait...You can also access 4 railway lounge and 4 airport lounge not only 8 airport lounge. combined ( 4+4) = 8 or only 8 airport lounge.
Rupay lounge is also available in tier 2 city like in patna junction . ( I barely travel via planes so having railways lounges even in tier 2 cities fells very good ).

5. Birthday Benefits will definitely make you Happy , If you use this card on your birthday.


ACCORDING TO MY SPENDS AND LIFESTYLE THIS CARD IS ALMOST AS BENEFICIAL AS SBI CASHBACK CARD FOR ME . I HAVE 2 CARDs --> SBI PRIME RUPAY + SBI CB .

Now tell me how Simply Save is better than this ?? Simply save is not even close .. to this !! I have used Simply Save also for almost 1.5 years .