SBI Simply Click vs Simply Save Card (Detailed Comparison)

Both Simply Click Card and Simply Save Card are two of the best entry-level credit cards from SBI Cards.

At first glance, both the cards look the same, but these cards have been designed keeping in mind the need of two different Individuals.

This article will help you to choose between these two cards according to your needs.

SBI Simply Click vs Simply Save Credit Card

Before we start a detailed comparison, here is a short comparison of the two cards.

Benefits or FeaturesSBI Simply Click Credit CardSBI Simply Save Credit Card
Annual Fee ₹499 + Taxes₹499 + Taxes
Welcome Reward₹500 Amazon.in gift card2,000 bonus reward points
Reward Benefits1. 10X reward points on online spending with exclusive partners
2. 5X reward points on other online spending
3. 1 reward point for every Rs.100 on all other spends
1. 10 Reward Points per Rs.150 spent on Dining, Movies, Departmental Stores and Grocery Spends
2. 1 Reward Point on every Rs.150 other spent on the card
Milestone Rewards1. Cleartrip gift voucher worth ₹ 2,000 on spending ₹1,00,000
2. Another Cleartrip gift voucher worth ₹ 2,000 on spending ₹2,00,000 in a year
No Milestone reward
Fuel Surcharge Waiver1% fuel surcharge waiver on spent between ₹500 to ₹ 3,0001% fuel surcharge waiver on spent between ₹500 to ₹ 3,000
Annual Fee ReversalOn spending ₹100000 in 1 year, the annual fee will be reversed as a statement creditOn spending ₹100000 in 1 year, the annual fee will be reversed as a statement credit

Welcome Reward Offers

The welcome reward is the first step in any card comparison, which can be confusing to the customer.

While the SBI SimplyClick card offers an Amazon voucher of ₹500 after paying the annual membership fee, the SBI SimplySave card will earn you 2000 bonus reward points if you spend ₹2000 or more in the first 60 days.

sbi simply click vs simply save card illustration image

At first glance, the welcome offer of the SBI Simply Save Credit Card appears to be better. But the welcome reward of both these cards is almost the same.

On SBI SimplySave Card, you get 2000 Bonus Reward Points which can be redeemed for an Amazon voucher worth ₹500.

Also, the time limit for availing of the welcome offer of the SBI SimplySave Card is 60 days, whereas, in SBI SimplyClick Credit Card, the same time limit is one year.

So now it’s clear that both cards’ welcome rewards are almost the same.

Shopping Rewards

SBI Card has listed these two credit cards in the shopping category, with a significant difference between these two cards.

SBI Simply Click Credit Card

You will get 10x Reward Points if you use SBI Simply Click Credit Card on online portals of Exclusive Partners – Amazon, Apollo 24X7, Bookmyshow, Cleartrip, Lenskart, and Netmeds.

Also, you will get 5x reward points on any other online spending.

Apart from this, you will get 1 reward point for every ₹ 100 spent on all other expenses.

SBI Simply Save Credit Card

You will get 10x Reward Points if you use SBI Simply Save Credit Card at Dining Movies, Departmental Stores & Grocery Stores.

There is no 5x reward point system on this card.

Apart from this, you will get 1 reward point for every ₹ 150 spent on all other expenses.

On both cards, 10x reward points are available for viewing with certain category limits.

Milestone Rewards

Not all credit cards come with milestone benefits, but milestone benefits are a great way to give excellent value back to the cardholder.

Out of the two credit cards, milestone benefit is available only with SBI Simply Click Credit Card.

If you spend ₹2,00,000 a year using Simply Click credit card, you will get Cleartrip vouchers worth ₹4000.

You will get these gift vouchers on achieving 2 milestones; in which you will get a gift voucher worth ₹ 2000 on completing the first milestone (₹1,00,000), and on completing the second milestone ( ₹2,00,000), you will again get a gift voucher worth ₹ 2000.

On the other hand, SBI Simply Save Credit Card does not have any milestone benefits.

Annual Fees Reversal

Both credit cards come with an annual fee reversal benefit in which if you spend ₹100000 in 1 year, the annual fee will be reversed as a statement credit.

You can use the Annual Fee Reversal Benefit every year, thereby reducing the annual fee on your card to zero.

Earning Potential

Reward Redemption

SBI Card offers a minimal reward redemption option in both these credit cards.

If you use the SBI Card application, you will hardly see 1 or 2 options to redeem the reward points. But at the same time, if you check on the website of SBI Card, then you will see 4 to 5 options.

You can redeem your reward points by availing of gift vouchers from Amazon, Cleartrip, and BookMyShow.

SBI Card needs to improve further in this segment as their competitors like Axis and HDFC Bank offer much better reward redemption options.

Other Card Benefits: Fuel Surcharge Weaver

Fuel surcharge weaver makes both these credit cards even more attractive. Because on every fuel spending you will save 1% extra money.

Transactions of ₹ 500 to ₹ 3000 done through these cards at any petrol pump will make you eligible for a fuel surcharge waiver.

My Opinion: Which card wins?

Bottom Line

Both credit cards come with great value back in their place, but both are designed keeping two different individuals in mind.

However, the difference between the two cards will help you choose the best credit card according to your needs.

When should you get SBI SimplyClick Credit Card?

SBI Simply Click Credit Card would be a good option if:

  • You want an entry-level credit card with reasonable reward rates and low annual fees.
  • You do most of your spending on online platforms like Amazon, Cleartrip, Lenskart, Bookmyshow, and Netmeds.
  • You use Cleartrip frequently to book flights, railways, or hotels. (10x Reward Points and Milestone Benefit will be of great use.)

When should you get SBI SimplySave Credit Card?

SBI SimplySave Credit Card would be a good option if:

  • You need a credit card for department store and grocery expenses. (10x Reward Points)
  • You like to go out to eat or watch a movie. (10x Reward Points)