Choosing between the Simply Save SBI Card and the SBI SimplyClick Credit Card can be tricky. Both are popular SBI Credit Cards, but they cater to different spending habits. The Simply Save SBI Card is ideal for daily offline purchases like groceries, food, and movies, while the SBI SimplyClick Credit Card suits online shoppers, travelers, and e-commerce users.
In this guide, we’ll compare both cards — their rewards, benefits, and ideal users — to help you decide which one fits your lifestyle better.
1. Rewards & Cashback / Points
When it comes to rewards, both cards have unique strengths:
- Simply Save SBI Card: Earn 10 Reward Points for every ₹150 spent on groceries, dining, movies, and departmental stores. For other purchases, get 1 Reward Point per ₹150. Also enjoy a 1% fuel surcharge waiver on spends between ₹500 and ₹3,000.
- SBI SimplyClick Credit Card: Earn 10x Reward Points on online shopping with partner websites like Amazon, Cleartrip, and BookMyShow. For other online transactions, get 5x Reward Points, and for all other spends, earn 1 Reward Point per ₹100. It also includes a 1% fuel surcharge waiver every month.
If you shop online frequently, the SBI SimplyClick Credit Card helps you accumulate rewards faster. However, if you prefer offline stores, the Simply Save SBI Card provides steady rewards on daily purchases.
2. Milestone / Bonuses & Extra Perks
- Simply Save SBI Card: Offers occasional bonus reward points and an annual fee waiver if you spend ₹1 lakh in a year.
- SBI SimplyClick Credit Card: Provides a ₹500 Amazon gift voucher as a welcome gift and Cleartrip e-vouchers worth ₹2,000 on annual spends of ₹1 lakh or ₹2 lakh. The annual fee is waived if you meet the spending target.
If you’re a frequent online shopper or traveler, the SBI SimplyClick Credit Card gives better milestone benefits and extra perks.
3. Fees, Surcharges & Charges
Both cards have an annual fee of ₹499 + GST, which can be waived off upon reaching the spend threshold. The 1% fuel surcharge waiver applies to transactions between ₹500 and ₹3,000.
Other charges, like interest rates, late payment fees, and foreign currency markup, remain the same for both. You can easily apply for these SBI Credit Cards online through the official SBI Card website.
4. Strengths & Weaknesses
Each card has its pros and cons:
Simply Save SBI Card
- Pros: Great for offline purchases like groceries, restaurants, and movies; simple and consistent reward structure; annual fee waiver option.
- Cons: Limited rewards for online spending; fewer milestone benefits.
SBI SimplyClick Credit Card
- Pros: Excellent for online shopping; attractive welcome and milestone rewards; annual fee waiver based on spending.
- Cons: Not ideal for offline spending; requires consistent online usage for maximum benefit.
5. Ideal User Profile
Choose the Simply Save SBI Card if:
- You spend mainly offline on groceries, food, and daily needs.
- You prefer a simple reward system without tracking categories.
- You want reliable rewards for regular spending.
Choose the SBI SimplyClick Credit Card if:
- You shop online frequently for travel, electronics, or fashion.
- You want to maximize rewards with partner e-commerce offers.
- You can achieve spend milestones to earn extra vouchers.
If you balance both online and offline shopping, consider using both — Simply Save for everyday use and SimplyClick for online transactions.
Tips to Maximize Benefits
- Spend ₹1 lakh annually to get your annual fee waived.
- Use Simply Save for groceries and dining, and SimplyClick for online shopping.
- Always check SBI partner merchants to earn 10x rewards.
- Redeem your reward points before expiry for maximum value.
- Stay updated with SBI’s latest reward program changes.
The Simply Save SBI Card and SBI SimplyClick Credit Card are both excellent entry-level options from SBI. If you primarily spend offline, Simply Save gives better value for everyday expenses. If you’re an avid online shopper, SimplyClick provides higher returns and digital convenience.
Ultimately, the best choice depends on your spending habits. Combining both can offer the perfect balance for online and offline rewards.
Disclaimer
This content is for informational purposes only and does not constitute financial advice. Credit card features and offers may change over time. Please check the latest details on the official SBI Card website or consult a certified financial advisor before applying.
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