After publishing my video on Top 5 Credit cards in India, many people asked me question on SBI SimplySAVE Credit Card Vs SBI SimplyCLICK Credit Card. They wanted to know Which credit card is better with detailed Comparison and benefits.
When it comes to choosing a credit card, it can be difficult to determine which one is the best fit for your needs. The State Bank of India offers two popular options – the SBI SimplySAVE Credit Card and the SBI SimplyCLICK Credit Card – each with its own set of benefits and features. In this article, we will take an in-depth look at both cards and compare their features to help you decide which one is the best for you.
So here is my simple article and a YouTube video on this subject which will resolve all your queries.
SBI SimplySAVE Credit Card and SBI SimplyCLICK Credit Card are both credit cards offered by State Bank of India (SBI).
The best card between SBI SimplySAVE and SBI SimplyCLICK depends on your spending habits and the type of rewards you prefer.
If you are someone who makes a lot of routine purchases like grocery, utility bills, dining, and fuel, then SBI SimplySAVE Credit Card might be a better option as it offers cashback on these categories.
However, if you are an individual who frequently shops online, travels, and dines out, then SBI SimplyCLICK Credit Card is a better option as it offers reward points and discounts on these categories.
It’s essential to consider your spending patterns and the type of rewards you’re looking for before choosing between the two cards.
If you have some time , just watch complete video explaining the difference between these 2 credit cards
Here’s a comparison between the two:
| Credit Cards Comparison | SBI Simply SAVE | SBI Simply Click |
| https://trekbook.in/sbi | https://trekbook.in/sbi | |
| Rs. 100 cashback on your first ATM cash withdrawal within 30 days of card activation | Get Amazon.in gift card worth Rs.500 on payment of Annual Fee of Rs. 499 + taxes. | |
| Milestone Benefits | Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points (so you will get 500 Rs back) | Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs.2 Lakhs |
| Rs. 499 (Reversed on Annual Spends of Rs. 90K in the previous year) | Rs. 499 (Reversed on Annual Spends of Rs. 100K in the previous year) | |
| Add-on card fee per annum | Nil | |
| Contactless Technology | Simply wave your card at a secured reader and your transaction is done | |
| Off-line spends | 10x Reward Points per 150 Rs spent on Dining, Movies, Departmental Stores and Grocery Spends. | — |
| On-line Spends | — | 10x reward points per 100 Rs on spending online with BookMyShow, Cleartrip, Eazydiner, Lenskart, Apollo24X7 and Netmeds. + It further offers 5x rewards on all other online purchases |
| All other spends | 1 reward point per 150 Rs spent on all other spends | 1 reward point per 100 Rs spent on all other spends |
| Reward point calculations | 4 Reward Points = Rs. 1 | |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transaction amount between Rs. 500 to Rs. 3,000 (max Rs. 100 per statement cycle) | |
| Airport lounge access | NA | |
| Overdue interest | 3.5% (p.m) 42% (p.a) | |
| Conclusion | SBI SimplySAVE is one of the most suitable credit cards for beginners and for people looking for a rewarding card for everyday spending. | SBI SimplyClick has a little edge over SimplySAVE as it not only offers rewards for online but offline purchases as well. |
SBI SimplySAVE Credit Card:
The SBI SimplySAVE Credit Card is a traditional credit card that offers a range of benefits for everyday spending. Some of the key features of this card include:
- 10X reward points on dining, departmental stores and grocery spending
- 1 reward point for every Rs. 100 spent on other categories
- Fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000
- No annual fee for the first year, and a nominal fee of Rs. 499 per year thereafter
The SBI SimplySAVE Credit Card is ideal for those who spend a lot on dining, shopping and groceries. With 10X reward points on these categories, cardholders can accumulate rewards quickly and redeem them for a variety of rewards, including discounts, travel, and shopping.
SBI SimplyCLICK Credit Card:
The SBI SimplyCLICK Credit Card is a rewards credit card that is specifically designed for online shopping. Some of the key features of this card include:
- 10X reward points on online shopping and travel bookings
- 5X reward points on select online categories, including food delivery, entertainment, and more
- 1 reward point for every Rs. 100 spent on other categories
- No annual fee for the first year, and a nominal fee of Rs. 499 per year thereafter
The SBI SimplyCLICK Credit Card is ideal for those who frequently shop online and want to maximize their rewards. With 10X reward points on online shopping and travel bookings, and 5X reward points on select online categories, cardholders can earn rewards quickly and redeem them for a variety of rewards, including discounts, travel, and shopping.
Click here to Apply for SBI SimplyCLICK Credit Card
Comparison of SBI SimplySAVE Credit Card and SBI SimplyCLICK Credit Card
When comparing the SBI SimplySAVE Credit Card and the SBI SimplyCLICK Credit Card, there are several key differences to consider. Here is a side-by-side comparison of the two cards:
| FEATURE | SBI SIMPLYSAVE CREDIT CARD | SBI SIMPLYCLICK CREDIT CARD |
|---|---|---|
| Rewards for Dining, Departmental Stores and Grocery Spending | 10X reward points | N/A |
| Rewards for Online Shopping and Travel Bookings | N/A | 10X reward points |
| Rewards for Select Online Categories | N/A | 5X reward points |
| Rewards for Other Categories | 1 reward point for every Rs. 100 spent | 1 reward point for every Rs. 100 spent |
| Fuel Surcharge Waiver | Available on transactions between Rs. 500 and Rs. 3,000 | Not Available |
| Annual Fee | Rs. 499 per year after the first year | Rs. 499 per year after the first year |
As you can see, both cards offer similar benefits in terms of rewards and annual fees. However, the SBI SimplySAVE Credit Card is better suited for those who spend a lot on dining, shopping and groceries, while the SBI SimplyCLICK
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