If you are searching for the best SBI Credit on the web then might come across SBI Simply Click and Simply Save Credit Card. Today in this blog I am gonna share a detailed comparison between these two credit cards so that you can easily pick the right one for you.
Both SBI Simply Click and Simply Save are entry-level credit cards from SBI. It’s designed especially for first-time credit card users. Even though the features and pricing of these two cards are almost similar. However, depending on your card requirement this card can be best for you. So let’s find out more about SBI Simply Click vs Simply Save Credit Card Comparison.
SBI Simply Click vs Simply Save Credit Card Comparision
Charges
| Fees | SBI Simply Click | SBI Simply Save |
|---|---|---|
| Joining Fees | ₹499+GST | ₹499+GST |
| Annual Fees | ₹499+GST | ₹499+GST |
Also Read: Best Credit Cards With Airport Lounge Access
Spend-Based Fee Waiver
| Spend-Based Fee Waiver | SBI Simply Click | SBI Simply Save |
|---|---|---|
| Fee Waiver | The annual fee is waived on spending of more than 1 lakh in a year. | The annual fee is waived on spending of more than 1 lakh in a year. |
Welcome Bonus
| Fees | SBI Simply Click | SBI Simply Save |
|---|---|---|
| Welcome Bonus | ₹500 Amazon Gift Voucher | 2000 Reward Points on spending of 2000 within 60 days of card issuance. |
Also Read: How To Place Basket Order in Upstox
Fuel Surcharge
| Fuel Surcharge | SBI Simply Click | SBI Simply Save |
|---|---|---|
| Fuel Surcharge | 1% Fuel Surcharge on Spending between ₹500 to ₹3000. | 1% Fuel Surcharge on Spending between ₹500 to ₹3000. |
| Max Waiver | ₹100/month. | ₹100/month. |
Lounge Acess
| Lounge Acess | SBI Simply Click | SBI Simply Save |
|---|---|---|
| Airport Lounge Acess | N/A | N/A |
| Railway Lounge Acess | N/A | N/A |
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Reward Points Rate
SBI Simply Click
With SBI Click Credit Card you can earn 1 reward point per ₹100 on offline spending. This Card gives good reward points for online spending. You can earn 10X Reward Points on online spending in partner platforms like Swiggy, BookMyShow, Myntra, Apollo 24×7, Cleartrip Dominions etc.
Furthermore on all other online spends you can earn 5X Reward Points. Upon completing spend based milestone you can earn Earn gift vouchers worth up to Rs. 4,000 every year.
SBI Simply Save
You can also earn 10X reward points If you spend ₹150 on dining, department stores, movies, and grocery purchases with the SBI Simply Save Card. On top of that, you can earn 1 Reward Point for every ₹150 spent on other spends.
Reward Points Value
The Value of the Rewards points earned for both the SBI Simply Click and the SBI Simply Save Credit Card are similar. Each 1 point has a value of 0.25. Therefore, 4 Reward Points are equivalent to ₹1.
Milestone Benefits
| Milestone Benefits | SBI Simply Click | SBI Simply Save |
|---|---|---|
| Milestone Benefits | You will receive ClearTrip and Yatra e-vouchers worth Rs 2,000 for net annual spending of Rs 1,00,000 and Rs 2,00,000, respectively. | N/A |
Late Payment fee
| Outstanding Balance | Late Payment fee SBI Simply Click | Late Payment fee SBI Simply Save |
|---|---|---|
| Less than ₹500 | N/A | N/A |
| ₹500-₹1000 | ₹400 | ₹400 |
| ₹1000-₹10000 | ₹750 | ₹750 |
| ₹10000-₹25000 | ₹950 | ₹950 |
| ₹125000-₹50000 | ₹1100 | ₹1100 |
| More than ₹50000 | ₹1300 | ₹1300 |
Other Charges & Fees
| Other Charges & Fees | SBI Simply Click | SBI Simply Save |
|---|---|---|
| Interest Rate | 3.5% Per month 42% annualized | 3.5% Per month 42% annualized |
| Cash Advance Charges | 2.5% of the Withdrawal amount or a minimum fee of ₹500. | 2.5% of the Withdrawal amount or a minimum fee of ₹500. |
| Foreign Currency Markup Rate | 3.5% of the transaction amount. | 3.5% of the transaction amount. |
Eligibility Criteria
| Eligibility Criteria | SBI Simply Click | SBI Simply Save |
|---|---|---|
| Salaried | Age: 18-65 years Income: ₹20,000 Per Month | Age: 18-65 years Income: ₹20,000 Per Month |
| Self Employed | Age: 21-65 years Income: ₹20,000 Per Month | Age: 21-65 years Income: ₹20,000 Per Month |
Also Read: Zerodha vs Upstox
FAQs: SBI Simply Click vs Simply Save Credit Card
SBI Simply Click Credit Card is better than Simply Save Credit Card.
No, Both of these cards do not offer lounge access.
Yes, you can avail Annual Fee Waiver on spending of 1 lakh in a year.
Yes, both of these cards offer a 1% fuel surcharge up to 100 per month.
Conclusion
So in conclusion to SBI Simply Click vs Simply Save Credit Card Comparison, we can see that both these cards are really good. These entry-level credit cards from SBI are mainly focused on shopping. As mentioned earlier, the Features and pricing of this two cards are the same. The main difference of these credit cards is in earning points.
SBI Simply Click offers 10X on its partner brands like Amazon, Myntra, Swiggy and BookMyShow which means it’s a great pick for those who do a lot of online shopping. On the other hand, the Simply Save Credit Card offers 10X reward points on spending in department stores, movies, and grocery purchases. Therefore it can be suitable for those who do a lot of offline transactions.
Nevertheless, Picking the best credit can vary depending on your habits and preferences. Still, if it comes to selecting one among these two cards I think the SBI Simply Click is the better option to pick.
