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.
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.
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.
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.
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.
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.
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.
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.
The SBI SimplyCLICK card is primarily designed for online purchases and utility bill payments. It offers rewards and discounts on those transactions.
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.
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.
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.
Both cards offer a 1% fuel surcharge waiver for transactions between Rs. 500 and Rs.3,000 at any petrol pump in India.
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
Copyright © 2025 BankBazaar.com.