Simply Save SBI Card vs SBI Simply Click Credit Card

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: You earn 10 Reward Points for every ₹150 spent on groceries, dining, movies, and departmental stores. For other purchases, you get 1 Reward Point per ₹150. You also enjoy a 1% fuel surcharge waiver on spends between ₹500 and ₹3,000.

SBI SimplyClick Credit Card: You get 10x Reward Points on online shopping with partner websites like Amazon, Cleartrip, and BookMyShow. For other online transactions, you earn 5x Reward Points, and for all other spends, you get 1 Reward Point per ₹100. It also includes a 1% fuel surcharge waiver every month.

If you shop online more, the SBI SimplyClick Credit Card gives you faster reward accumulation. But if you prefer local stores, Simply Save SBI Card offers consistent rewards on your everyday purchases.

2. Milestone / Bonuses & Extra Perks

Simply Save SBI Card offers occasional bonus reward points and the chance to get your annual fee waived if you spend ₹1 lakh in a year.

SBI SimplyClick Credit Card gives you an Amazon gift voucher worth ₹500 as a welcome gift. It also offers Cleartrip e-vouchers worth ₹2,000 when you spend ₹1 lakh or ₹2 lakh annually. The annual fee is waived if you meet the spending target.

If you travel or shop online frequently, the SBI SimplyClick Credit Card provides more milestone benefits and extra perks than Simply Save.

3. Fees, Surcharges & Charges

Both cards have an annual fee of ₹499 + GST, which can be waived off with sufficient spending. The fuel surcharge waiver of 1% applies to both cards for transactions between ₹500 and ₹3,000.

Other standard charges, such as interest rates, late payment fees, and foreign currency markup, are the same for both cards. You can apply for both SBI Credit Cards online easily through the official SBI Card website.

4. Strengths & Weaknesses

Each card has its own strong and weak points.

Simply Save SBI Card — Pros:

• Great for offline purchases like groceries, restaurants, and movies.

• Simple and predictable reward system.

• Annual fee waiver option for regular users.

Cons:

• Fewer rewards for online spending.

• Limited milestone benefits.

SBI SimplyClick Credit Card — Pros:

• Excellent for online shopping and e-commerce sites.

• Welcome and milestone benefits increase its overall value.

• Annual fee waiver based on spend targets.

Cons:

Not ideal for offline spending.

• Requires frequent online use to maximize rewards.

5. Ideal User Profile

Choose the Simply Save SBI Card if:

• You spend mostly offline on groceries, food, and daily essentials.

• You want steady rewards on every purchase without tracking bonus categories.

• You prefer cash-like rewards for routine use.

Choose the SBI SimplyClick Credit Card if:

• You frequently shop online for travel, fashion, or electronics.

• You want to maximize points with e-commerce offers.

• You can reach spending milestones for extra vouchers.

If you balance both online and offline shopping, you can even use both cards — Simply Save for daily purchases and SimplyClick for online shopping.

Tips to Maximize Benefits

1. Spend ₹1 lakh annually to get your annual fee waived.

2. Use Simply Save for groceries and dining, and SimplyClick for online purchases.

3. Always check if your merchant is an SBI partner to earn 10x rewards.

4. Redeem your reward points before expiry for full value.

5. Keep track of changing SBI card reward policies regularly.

The Simply Save SBI Card and SBI SimplyClick Credit Card are both smart entry-level cards from SBI. If your spending is mainly offline, Simply Save SBI Card gives great returns on everyday expenses. If your lifestyle revolves around online shopping, SBI SimplyClick Credit Card will offer better value and rewards.

Ultimately, the best choice depends on where you spend the most. You can even combine both cards for the perfect offline-online balance.

Disclaimer

This content is for informational purposes only. It is not a financial recommendation. Credit card features and offers may change. Please check the latest details on the official SBI Card website or consult a certified financial advisor before applying.