SBI SimplySAVE vs SimplyCLICK Credit Card

SBI SimplySAVE and SimplyCLICK Credit Cards are entry-level lifestyle credit cards designed for first-time users. However, the cards' target markets are distinct, and there are slight variations in their features and rewards programs. Both cards are shopping cards powered by VISA. Choosing between the SimplyCLICK SBI Card and the SimplySAVE SBI Card depends on your spending habits and preferences.

Updated On - 07 Sep 2025
  1. SimplyCLICK SBI Card: If you make a lot of online purchases, then the SimplyCLICK SBI Card may be better for you. It offers 10X rewards on exclusive partner spends and 5X rewards on all other online spends, which can lead to significant savings if you make a lot of online purchases. It also provides e-vouchers worth Rs.2,000 on annual online spending of Rs.1 lakh and Rs.2 lakhs each. Cardholders can also enjoy contactless technology, worldwide acceptance, add-on cards, cash withdrawals, and utility bill payments.
  2. SimplySAVE SBI Card: On the other hand, if you frequently dine out, watch movies, shop at departmental stores, or buy groceries, then the SimplySAVE SBI Card may be a better fit. It offers 10X rewards on these categories, which can lead to significant savings if you frequently spend in these areas. It also provides a welcome offer worth Rs.500 and 2000 bonus reward points worth Rs.500 in spending of Rs.2,000 in the first 60 days. The credit card also offers a contactless advantage, worldwide acceptance, add-on cards, utility bill payment facility, balance transfer on EMI, Flexipay, and Easy Money.

Both cards offer fuel surcharge waivers, reward points on all expenditure, and annual fee reversals meeting the spending criteria.

Comparative table showing the different features and benefits of both the cards:

 

SimplyCLICK SBI Card 

SimplySAVE SBI Card 

Card Type

Shopping for dining, fuel and includes rewards 

Get rewards when you use the card for purchasing fuel and food 

Annual Fee

Rs.499  

Rs.499  

Annual Savings 

Rs.6000 (Assuming Rs.2 lakhs of annual spends with 50% online spends. Exclusive partner spends = 25% of total spends) 

Rs.4000 (Assuming Rs.2 lakhs Annual Spends with 40% Spends on 10X Categories) 

Best Suited for

Rewards, Dining, Fuel 

Rewards, Dining, Fuel 

Welcome Offer

Rs.500 Amazon eGift card on annual fee payment (On payment of annual fee of Rs.499) 

Welcome offer of Rs.500(Get 2000 bonus Reward Points worth Rs.500 in spending of Rs.2,000 in first 60 days) 

Rewards 

10X rewards on purchases made with only specific suppliers5X rewards on any additional online purchasesRs.100 will earn one reward point (About 4 reward points equal Rs.1)e-vouchers worth Rs.2,000 for each of the following annual online spends: Rs.1 lakh and Rs.2 lakhsRefund of membership fees on annual expenditures of Rs.1 lakh 

Spending on dining, movies, department stores, and groceries will earn 10X rewards.1 reward point for each Rs.100 spentUse reward points to settle any balance left on the card (Rs.1 equals to 4 Reward Points)Reversal of annual fee for expenditures exceeding Rs.1 lakh in the previous year 

Fuel Surcharge Waiver

Waiver of fuel surcharges of up to Rs.100 per month 

Up to Rs.100 in monthly fuel surcharges are waived 

In summary, SimplySAVE SBI Card and SimplyCLICK SBI Card are distinct credit cards that offer various features and benefits to their cardholders, making them appropriate for different spending habits and preferences.

FAQs on SBI SimplySAVE vs SimplyCLICK Credit Card

  • Which is better SBI SimplySAVE or SimplyCLICK?

    It depends on your spending habits and the rewards you prefer. SimplySAVE offers cashback on various categories such as dining, movies, and groceries, while SimplyCLICK offers rewards on online purchases and utility bill payments.

  • Is SBI SimplyCLICK card lifetime free?

    The SBI SimplyCLICK card is not lifetime free, but the annual fee is waived off for the first four years if you spend a minimum of Rs.1 lakh in the previous year.

  • What is the difference between SBI SimplySAVE and PRIME Card?

    The SBI SimplySAVE card offers cashback on various categories such as dining, movies, and groceries, while the SBI Prime card offers a higher cashback rate on those categories along with additional benefits such as lounge access and movie ticket discounts.

  • Is SimplyCLICK SBI Card good?

    The SimplyCLICK SBI Card is good if you frequently make online purchases and utility bill payments, as it offers rewards and discounts on those transactions.

  • What is the maximum limit of SBI SimplyCLICK credit card?

    The maximum limit of SBI SimplyCLICK credit card varies depending on the applicant's income, credit score, and other factors. The bank will determine the limit based on these factors.

  • Can I withdraw cash from SBI SimplyCLICK credit card?

    Yes, cash withdrawal is possible with the SBI SimplyCLICK credit card, but it is not recommended as it attracts high-interest rates and cash withdrawal fees. 

  • What is the use of SBI SimplyCLICK card?

    The SBI SimplyCLICK card is primarily designed for online purchases and utility bill payments. It offers rewards and discounts on those transactions.

  • What is the credit limit of SimplySAVE Card?

    The credit limit of SimplySAVE Card varies depending on the applicant's income, credit score, and other factors. The bank will determine the limit based on these factors. 

  • Can I avail of a waiver on the annual fee for SBI SimplySAVE Card?

    Yes, the annual fee of Rs.499 for the SBI SimplySAVE Card is waived off if you spend Rs.1 lakh or more in the previous year.

  • What kind of rewards does SBI SimplyCLICK Card offer on online transactions?

    The SBI SimplyCLICK Card offers 10X rewards on online transactions with exclusive partners such as EasyDiner, BookMyShow, Cleartrip, Apollo, and Netmeds, and 5X rewards on all other online transactions. 

  • What benefits do both the SBI SimplySAVE and SimplyCLICK Cards offer for fuel transactions?

    Both cards offer a 1% fuel surcharge waiver for transactions between Rs. 500 and Rs.3,000 at any petrol pump in India

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