Simply Save SBI Card vs SBI SimplyClick Credit Card

Rewards & Cashback / Points

Simply Save SBI Card is ideal for everyday offline spending. You earn 10 reward points for every Rs. 150 spent on groceries, dining, movies, and department stores. For all other purchases, you get 1 reward point per Rs. 150. Additionally, fuel surcharge waivers of 1% apply for transactions between Rs. 500 and Rs. 3,000.

In contrast, the SBI SimplyClick Credit Card focuses on online shopping. You earn 10x reward points on spending at partner merchants like Myntra, BookMyShow, and Cleartrip, and 5x points on other online purchases. For all other spends, 1 point per Rs. 100 is awarded. Fuel surcharge waivers are also available for the same transaction range.

Milestones, Bonuses & Extra Perks

The Simply Save SBI Card offers occasional welcome or bonus points and an annual fee waiver if usage targets are met.

The SBI SimplyClick Credit Card provides a welcome Amazon gift card worth Rs. 500 upon paying the annual fee. It also offers milestone e-vouchers worth up to Rs. 2,000 for achieving annual online spending targets of Rs. 1 lakh or Rs. 2 lakh. The annual fee can be waived if these spending targets are met.

Fees, Surcharges & Charges

Both cards have a standard annual fee of Rs. 499 + GST, with fee waivers available under certain conditions. Fuel surcharges of 1% apply on transactions between Rs. 500 and Rs. 3,000. Other charges, such as interest, late fees, and foreign currency markup, are standard across SBI cards.

Strengths & Weaknesses

Simply Save SBI Card
Pros:

• Excellent for offline spending like groceries, dining, and movies.

• Consistent rewards for routine expenses.

• Annual fee waiver on achieving spend targets.

Cons:

• Low rewards on online shopping (1 RP per Rs. 150).

• Limited milestone and bonus perks.

• Less appealing for heavy e-commerce users.

SBI SimplyClick Credit Card
Pros:

• High reward multipliers for online shopping at partner and non-partner merchants.

• Welcome voucher and milestone rewards increase value.

• Annual fee waiver available upon achieving online spend targets.

Cons:

• Lower offline rewards for everyday expenses.

• Requires significant online spending to maximize benefits.

• May not suit users who primarily spend offline.

Ideal User Profile

Choose Simply Save SBI Card if you:

• Spend more on groceries, dining, and department stores.

• Prefer straightforward rewards for everyday purchases.

• Are not a frequent online shopper.

Choose SBI SimplyClick Credit Card if you:

• Shop online for most purchases, including utilities and travel.

• Want to maximize points earned on online transactions.

• Can meet online spending targets to unlock maximum rewards.

Balanced Approach: If your spending includes both offline and online expenses, consider using both cards: Simply Save for offline purchases and SimplyClick for online shopping.

Tips to Maximise Value

1. Spend Rs. 1 lakh online (SimplyClick) or in total (Simply Save) to waive the annual fee.

2. Use Simply Save for groceries, dining, and offline transactions, and SimplyClick for online shopping and utility bill payments.

3. Check if merchants are partners to earn 10x reward points.

4. Redeem your points before they expire to maximize value.

5. Stay updated on changes in SBI card policies, as reward structures can change over time.

The Simply Save SBI Card and SBI SimplyClick Credit Card serve different but complementary purposes. Simply Save is best for routine offline spending, while SimplyClick offers higher rewards for online and e-commerce transactions. Select the card that aligns with your spending habits—or use both strategically for maximum benefits.

This article is for informational purposes only and does not constitute financial advice or a recommendation to buy or apply for a credit card. Please conduct your own research or consult a certified financial advisor before making decisions. Card details are current as of October 2025 and may change in the future.