Skip to main content

SBI SimplyCLICK Credit Card VS SimplySAVE SBI Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 21 July 2026

Both SBI SimplyCLICK Credit Card and SimplySAVE SBI Card suit shopping-focused spenders, but they earn and cost differently. SBI SimplyCLICK Credit Card costs ₹499 + GST and earns 10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline. SimplySAVE SBI Card costs ₹499 + GST and earns 10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends. SBI SimplyCLICK Credit Card also brings amazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee, while SimplySAVE SBI Card counters with receive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance. If shopping spending matters more, go with SBI SimplyCLICK Credit Card; if dining is the priority, SimplySAVE SBI Card fits better.

SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card
SimplySAVE SBI Card
SimplySAVE SBI Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹499 + GST
Renewal Fee₹499 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Spend Based WaiverThe renewal fee is reversed if annual spends for the last year are Rs. 1,00,000 or more.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees
Interest Rate (APR)3.75% Per Month (45% Yearly).
Interest Rate (APR)

Rewards & Benefits

Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Welcome BonusReceive 2,000 Bonus Reward Points by spending Rs. 2,000+ within 60 days of card issuance.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Rewards Rate10X RP/Rs. 150 on dining, movies, departmental stores, groceries. 1 RP/Rs. 150 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Travel Benefits
Movie Benefits10X Reward Points on BookMyShow.
Movie BenefitsEarn 10X Reward Points per Rs. 150 spent on movies.
Dining Benefits10X Reward Points on Dominos and Swiggy.
Dining BenefitsEarn 10X Reward Points per Rs. 150 spent on dining.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions Rs. 500-3,000, max Rs. 100 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
Cash Advance Charges
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

SBI SimplyCLICK Credit Card

SimplySAVE SBI Card

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

Who is it for?

The SimplySAVE SBI Card is an entry-level credit card designed to make everyday spending more rewarding, offering accelerated reward points on common categories like dining, movies, departmental stores, and groceries. It provides significant value for individuals who frequently spend in these areas, coupled with a beneficial fuel surcharge waiver and a welcome bonus for new cardholders. The card's focus on high-frequency categories and its spend-based renewal fee reversal make it a strong contender for an entry-level or mid-range card, maximizing savings on daily expenses.

Pros

Key benefits and features.

Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.

Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.

The annual fee can be easily waived by spending ₹1 lakh in the previous year.

Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.

Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.

Pros

Key benefits and features.

Receive 2,000 Bonus Reward Points upon meeting initial spend criteria.

Earn 10X Reward Points on popular categories like dining, movies, and groceries.

Benefit from a 1% fuel surcharge waiver, capped at Rs. 100 per statement cycle.

Annual renewal fee can be waived by spending Rs. 1,00,000 or more in the previous year.

Enjoy the convenience of add-on cards for family members with no annual fee.

Cons

Key drawbacks and limitations.

Does not offer complimentary domestic or international lounge access, limiting travel perks.

Lacks comprehensive insurance benefits, which might be a concern for some cardholders.

Reward redemption options, while available, might feel limited compared to premium credit cards.

Cons

Key drawbacks and limitations.

The reward rate for spends outside accelerated categories is a standard 1X, which is lower.

No specific travel or lounge access benefits are offered with the SimplySAVE SBI Card.

The maximum fuel surcharge waiver is limited to Rs. 100 per statement cycle.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for SBI SimplyCLICK Credit Card(opens in new tab)Apply for SimplySAVE SBI Card(opens in new tab)