SBI Card’s SimplySAVE and SimplyCLICK are two of the most popular credit cards for beginners in the market. These cards come with exclusive benefits, rewards and a very affordable annual fee. If you are confused about which card to go for, the comparison below will help you make a quick and informed decision:
Comparing Features of SBI SimplySAVE and SBI SimplyCLICK Credit Card
| Particulars | SBI SimplySAVE Credit Card | SBI SimplyCLICK Credit Card |
| Welcome Offer | Rs. 100 cashback on your first ATM cash withdrawal within 30 days of card activation | Amazon.in gift card worth Rs.500 on paying the annual membership fee |
| Milestone Benefits | – | Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh
Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs.2 Lakhs |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transaction amount between Rs. 500 to Rs. 3,000 across any petrol pump in India | 1% fuel surcharge waiver on transaction amount between Rs. 500 to Rs. 3,000 (maximum discount – Rs. 100 per statement cycle) |
Comparing SBI SimplySAVE and SimplyClick’s Rewards
SBI SimplySAVE offers 10 reward points on every Rs. 150 spent on dining, movies, departmental stores and grocery spending. It offers 1 reward point per Rs. 150 spent on all other spends. The value of 1 reward point for this card is Rs. 0.25. So, if you spend Rs. 5,000 on groceries and Rs. 2,000 on other spends, you will get Rs. 87 worth of rewards. As an additional benefit, the card offers 2,000 bonus points on spending Rs. 2,000 or more within the first 60 days of card activation. SBI SimplySAVE is one of the most suitable credit cards for beginners and for people looking for a rewarding card for everyday spending.
On the other hand, SBI SimplyCLICK is more focused on offering benefits and rewards for online shopping lovers. The card offers 10x reward points on spending online with BookMyShow, Cleartrip, Eazydiner, Lenskart, Apollo24X7 and Netmeds. It further offers 5x rewards on all other online purchases and 1 reward per Rs. 100 on any other spends. Now the value of 1 reward point for this card is also Rs. 0.25. So, if you spend Rs. 2,500 on Lenskart, Rs. 700 on BookMyShow, Rs. 400 on Netmeds, Rs. 2,500 on other online spends and Rs. 900 on normal spends, you get Rs. 134 worth of rewards. Therefore, we can say that SBI SimplyClick has a little edge over SimplySAVE as it not only offers rewards for online but offline purchases as well.
Fees and Charges of SBI SimplySAVE Credit Card and SBI SimplyCLICK Credit Card
| Particulars | SBI SimplySAVE Credit Card | SBI SimplyCLICK Credit Card |
| Annual Fee | Ra. 499 (Reversed on Annual Spends of Rs. 90,000 in the previous year) | Rs. 499 ( (Reversed on Annual Spends of Rs. 1,00,000 in the previous year) |
| Add-on card fee per annum | Nil | Nil |
| Finance Charges | 3.5% (p.m)
42% (p.a) |
3.5% (p.m)
42% (p.a) |
| Late payment Charges |
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SBI SimplySAVE and SimplyCLICK are two of the most affordable and highly rewarding entry-level lifestyle credit cards offered by SBI Card. While SimplySAVE caters to cardholders’ everyday offline expenditure, SimplyCLICK caters to online spending. The only choice you have to make is about your needs. If you are someone who loves to shop online and is looking for rewards, the 5x rewards on all your online spends gives SimplyCLICK a little edge. However, SBI SimplySAVE can be the best-suited card for you if you spend more offline. Also, if you are looking for cards with better offers on online spending, you can consider opting for cards such as Flipkart Axis Bank Credit Card and Amazon Pay ICICI Bank Credit Card.
Suggested Read: Flipkart Axis Bank Credit Card Vs. Amazon Pay ICICI Bank Credit Card
