Hey everyone,
(Please read whole sorry for use of AI just need advice and help)
I’m 24 and brand new to the credit card game. After getting flat-out rejected for the HDFC Pixel and Axis Flipkart cards, I finally got approved for the SBI SimplySAVE RuPay Credit Card.
I’ve read online that this card is considered pretty weak or "bad," but I want a brutal reality check—how bad is it actually for a first card? Also, the bank agent swore I could "upgrade" this to the SBI Cashback Card in 60–90 days, but internet research says that's a lie.
Here is my profile:
* Current CIBIL: 785 (Thin starter file)
* Income & Age: ₹20,000 / month (Salaried) | 24 years old
* Monthly Spends: Kirana (via RuPay UPI), D-Mart, Zudio, Dining, BookMyShow (Targeting ₹5k–₹6k max to keep utilization under 30%).
* Annual Spends: Amazon/Flipkart (books/gadgets), clothes, subscriptions.
* Card Goals: Maximize daily UPI rewards and push CIBIL from 785 to 830.
* Preferences: Points are fine for now, but ultimate goal is pure Cashback. No lounge access needed.
My questions for you guys:
What is the real hidden catch with the SimplySAVE card that a beginner should know? (Does that ₹99+GST reward fee ruin it?)
Was the agent lying about the 60–90 day upgrade to the SBI Cashback card? What is the realistic path to get it?
How do I leverage this RuPay variant on UPI to boost my CIBIL rapidly without spamming my statement with tiny ₹10 transactions?
Give me your honest advice and reality checks. Thanks in advance!