When it comes to choosing your first credit card, two names that often come up are the SBI SimplyCLICK and SBI SimplySAVE Credit Cards. Both are popular entry-level cards offered by SBI Card, but they reward different kinds of users and spending habits.
The SimplyCLICK Credit Card is a better choice for people who shop online regularly, while the SimplySAVE Credit Card is for those who spend more on everyday needs like groceries, dining, and movies.
At first glance, both cards may seem quite similar, but a closer look at their features, rewards, and benefits shows that each has its own strengths. In this comparison, we’ll explain the key differences between the SBI SimplyCLICK and SBI SimplySAVE Credit Cards in simple terms, making it easier for you to decide which one suits your spending habits and offers better value.
Comparing the Annual Fees and Welcome Rewards
The SBI SimplyCLICK and SBI SimplySAVE Credit Cards have the same joining and annual fee of ₹499 +GST, making them affordable options for first-time credit card users. Both cards also offer a fee waiver on renewal if you spend ₹1 lakh or more in the previous year, helping regular users save on the annual fee.
However, their welcome benefits are quite different. The SBI SimplyCLICK Credit Card offers an Amazon gift card worth ₹500 as a welcome gift after payment of the joining fee, making it more attractive for online shoppers. On the other hand, the SBI SimplySAVE Credit Card rewards new cardholders with 2,000 bonus Reward Points that are worth ₹500 on the expenditure of ₹2,000, which can be redeemed against a variety of products, vouchers, or other redemption options available through SBI Card.
Both cards offer welcome benefits of similar value, but the way you receive them is different. The SBI SimplyCLICK Credit Card provides an instant ₹500 Amazon gift card after payment of the joining fee, while the SBI SimplySAVE Credit Card requires you to spend ₹2,000 to earn 2,000 bonus Reward Points. If you want an immediate welcome benefit, SimplyCLICK is a better option.
| Feature | SBI SimplyCLICK Credit Card | SBI SimplySAVE Credit Card |
| Joining & Annual Fee | ₹499 + GST | ₹499 + GST |
| Renewal Fee Waiver | On annual spends of ₹1 lakh | On annual spends of ₹1 lakh |
| Welcome Benefit | ₹500 Amazon gift card | 2,000 bonus Reward Points on Spend of ₹2,000 |
Difference in Reward Rate
When it comes to rewards, the SBI SimplyCLICK and SBI SimplySAVE Credit Cards work in very different ways. The SBI SimplyCLICK Credit Card is mainly for online shoppers. It gives very high rewards like 10X points on partner websites such as Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, and Tata Cliq, and 5X points on most other online spends. For offline transactions, users will earn 1 Reward Point for every ₹100 spent with the card. The card has a monthly cap of 10,000 bonus reward points, which means you can earn accelerated rewards only up to that limit each month. Once you reach this cap, you will start earning the normal rate, which is much lower. So, the higher cap here is useful for people who spend more online because it allows them to earn more rewards before the limit is reached.
The SBI SimplySAVE Credit Card, on the other hand, focuses on everyday spending like groceries, dining, movies, and departmental stores. It also gives 10X rewards on these categories, but the monthly cap is lower at 5,000 bonus reward points. This means you can earn accelerated rewards only up to that limit each month. After you cross this cap, you will only earn the base reward rate of 1 Reward Point for every ₹150 spent on other purchases, which is very low. Because the cap is smaller, heavy spenders may stop earning higher rewards sooner compared to SimplyCLICK.
SimplyCLICK gives you more room to earn higher rewards every month because of its higher cap, especially for online shopping. SimplySAVE has a lower cap, so it is better suited for moderate everyday spending rather than high monthly usage.
| Feature | SBI SimplyCLICK Credit Card | SBI SimplySAVE Credit Card |
| Reward Rate (Bonus) |
|
10X on Select Everyday Categories like Groceries, Dining, Movies, and Departmental Stores |
| Base Reward Rate | 1 Reward Point per ₹100 on offline spends | 1 Reward Point per ₹150 on other spends |
| Monthly Bonus Cap | 10,000 reward points | 5,000 reward points |
Exclusion
No reward points will be given on these categories:
| SBI SimplyCLICK Credit Card | SBI SimplySAVE Credit Card |
|
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Comparison of Milestone Benefits
When it comes to milestone benefits, the SBI SimplyCLICK Credit Card clearly offers more value compared to the SimplySAVE Credit Card. With SimplyCLICK, you can earn an e-voucher worth ₹2,000 from ClearTrip or Yatra when your annual online spending reaches ₹1 lakh, and another ₹2,000 voucher when you reach ₹2 lakh in online spends. On top of this, the card also offers a renewal fee waiver if you spend ₹1 lakh or more in a year, which makes it more rewarding for active users.
These benefits are especially useful for people who frequently shop or book travel online, as higher usage directly leads to extra savings and rewards. On the other hand, the SBI SimplySAVE Credit Card does not offer any milestone benefits, so there are no extra rewards or vouchers even if you spend more.
This makes SimplyCLICK a better option for users who want additional perks for reaching spending targets, while SimplySAVE is more basic and focused only on regular rewards without extra milestones.
Bottom Line
In the end, the SBI SimplyCLICK Credit Card clearly stands out for most users because it gives more value in almost every area, whether it is rewards, welcome offers, or milestone benefits. It works especially well for people who shop online often, as everyday purchases on popular websites can quickly turn into higher reward points and extra vouchers. The higher reward caps also mean you can keep earning better benefits for a longer time each month, instead of hitting limits too early.
The SBI SimplySAVE Credit Card, on the other hand, is more basic and works best for people who mostly spend on daily needs like groceries, dining, or movies. While it does cover these categories, it does not offer extra milestone rewards or the same level of earning potential as SimplyCLICK.
So, if you look at the overall picture, SimplyCLICK feels more rewarding and flexible for most users, especially in today’s digital spending habits. SimplySAVE can still serve a purpose for simple, offline-focused spending, but for better value and more benefits, SimplyCLICK is the stronger pick.