SBI SimplySAVE vs SimplyCLICK Credit Card – Full Comparison & Review

Today, we’re diving into two of the most popular SBI credit cards—the SimplySAVE and the SimplyCLICK. Both cards come with the same annual fee but offer very different benefits based on your lifestyle and spending patterns. So, let’s explore which card fits your wallet best!

SBI SimplySAVE vs. SimplyCLICK: Introduction

When it comes to entry-level credit cards in India, SBI’s SimplySAVE and SimplyCLICK stand out. Both have an annual fee of ₹499, both reward you for your spends, but the categories they reward are completely different.

• SBI SimplySAVE is designed for everyday offline spends like dining, groceries, and movies.

• SBI SimplyCLICK is tailored for online shoppers, especially those who frequently shop from e-commerce and travel platforms.

Let’s break down each card individually before comparing them side by side.

SBI SimplySAVE Credit Card Review

Annual Fee: ₹499 (waived on annual spends of ₹1,00,000 or more)

The SBI SimplySAVE is perfect for those who spend a lot on offline categories like groceries, dining out, movies, and departmental stores.

✅ Welcome Offer

• 2,000 bonus reward points (worth ₹500) on spends of ₹2,000 within the first 60 days.

✅ Rewards Structure

• 10X Reward Points on dining, movies, departmental stores, and groceries → 10 points per ₹150 spent (≈ 1.67% reward rate)

• 1 Reward Point per ₹150 spent on all other categories (≈ 0.17% reward rate)

• Reward Value: 1 Reward Point = ₹0.25 (4 points = ₹1)

• Monthly Cap: 5,000 points (worth ₹1,250). After that, you earn at the base rate of 1 point/₹150.

❌ Excluded Transactions

No rewards on:

• Cash Advances, Balance Transfers, Encash, Flexipay

• Fuel spends, Rent payments, Government transactions

✅ Other Perks

• Fuel surcharge waiver: Up to ₹100/month on spends of ₹500–₹3,000.

• Worldwide acceptance, contactless payments, add-on cards, bill payments, Flexipay, Easy Money, and balance transfer EMIs.

✅ Redemption

• Minimum 2,000 points required to redeem.

• 2,000 points = ₹500 credit.

Potential Savings: If you spend ₹2 lakh annually (40% on bonus categories), you could save around ₹4,000 per year with this card.

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SBI SimplyCLICK Credit Card Review

Annual Fee: ₹499 (waived for 4 years if annual spends cross ₹1,00,000)

The SBI SimplyCLICK is designed for online-first users who frequently shop, book travel, or order food digitally.

✅ Welcome Offer

• ₹500 Amazon e-gift voucher on payment of the joining fee.

✅ Rewards Structure

• 10X Reward Points on partner merchants (Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Yatra).

  • Reward Rate: ≈ 2.5%

  • Monthly Cap: 10,000 points (worth ₹2,500)

• 5X Reward Points on all other online spends.

  • Reward Rate: ≈ 1.25%

  • Monthly Cap: 10,000 points

• 1X Reward Point per ₹100 on offline spends (≈ 0.25%)

• 1 Reward Point = ₹0.25

❌ Excluded Transactions

No rewards on:

• Cash Advances, Balance Transfers, Encash, Flexipay

• Offline Fuel (MCC codes 5172, 5541, 5542, 5983)

• e-Wallet loading (MCC 6540, 6541)

• Utility bill payments via SBI Card website/app

• Cleartrip affiliate bookings

• Non-INR spends (for 10X benefit)

✅ Extra Benefits

• Milestone e-Vouchers: Earn ₹2,000 Cleartrip/Yatra vouchers at annual spends of ₹1 lakh and ₹2 lakh.

• Fuel surcharge waiver: 1% waiver (max ₹100/month) on spends of ₹500–₹3,000.

Potential Savings: With ₹2 lakh annual spends (50% online + 25% partner merchants), SimplyCLICK can deliver up to ₹6,000 back per year.

Head-to-Head Comparison: SimplySAVE vs SimplyCLICK

Who Should Apply?

Choose SBI SimplySAVE if:

• You spend heavily on dining, movies, groceries, and departmental stores.

• You want a simple 10X rewards program for everyday offline expenses.

Choose SBI SimplyCLICK if:

• You are a frequent online shopper who spends big on e-commerce, travel, and food delivery.

• You want bonus milestone vouchers and higher accelerators at partner sites.

Conclusion

At the end of the day, the choice between SBI SimplySAVE vs SimplyCLICK boils down to your spending style:

• If your expenses are mostly offline (groceries, dining, movies) → Go for SimplySAVE.

• If your lifestyle is digital-first (online shopping, travel, food delivery) → Go for SimplyCLICK.

Both cards are affordable, easy to use, and provide value much higher than their ₹499 annual fee if used smartly.