State Bank of India offers a wide range of credit cards that suit different lifestyles and spending habits. Two of its most popular introductory credit cards are the SBI SimplySAVE Credit Card and the SBI SimplyCLICK Credit Card. While both cards share the same fee structure and basic features, they both serve different user orientations. The SimplySAVE card would suit those who usually spend on daily needs like food, eating out, and movies very frequently, whereas the SimplyCLICK card is best suited for those who do online shopping and make payments very frequently. In this article here, we are going to compare SBI SimplyCLICK vs.SimplySAVE in depth and tell you which card would be best according to your spending habits.
| Feature | SBI SimplySAVE Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|
| Welcome Benefit | 2,000 bonus Reward Points on spending ₹2,000 within the first 60 days | Amazon.in gift card worth ₹500 on payment of the annual fee |
| Annual Fee | ₹499 (waived on annual spends of ₹1,00,000) | ₹499 (waived on annual spends of ₹1,00,000) |
| Renewal Fee | ₹499 per annum | ₹499 per annum |
| Reward Points |
10 Reward Points per ₹150 spent on dining, movies, departmental stores, and grocery spends 1 Reward Point per ₹150 on all other spends |
10X Reward Points on online spends with exclusive partners like Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, and Yatra 5X Reward Points on all other online spends 1 Reward Point per ₹100 on all other spends |
| Milestone Benefits | N/A | E-vouchers worth ₹2,000 each on reaching annual online spends of ₹1,00,000 and ₹2,00,000 respectively |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹500 and ₹3,000; maximum waiver of ₹100 per statement cycle | 1% waiver on transactions between ₹500 and ₹3,000; maximum waiver of ₹100 per statement cycle |
Welcome Benefits
SBI SimplySAVE Credit Card: Cardholders are awarded 2,000 bonus Reward Points when they spend ₹2,000 or more during the first 60 days after card activation. The points are redeemable for obtaining a variety of rewards ranging from statement credit to vouchers.
SBI SimplyCLICK Credit Card: When joining fee is paid, new users are offered a gift card from Amazon.in of ₹500. This is a prompt reward and hence a great choice for internet shoppers.
Reward Points
SBI SimplySAVE Credit Card: The card rewards 10 Reward Points on spending of ₹150 on dining, movies, grocery, and departmental stores and is best for those who shop offline. For any other spend, the card offers 1 Reward Point for ₹150 spent. The reward points earned can be redeemed at a rate of 4 Reward Points = ₹1 as statement credit, gift vouchers, or merchandise from the SBI Card reward catalogue. Redemption is possible online through the SBI Card website or mobile app, or through phone by contacting customer service. Minimum redemption amount is 2,000 Reward Points, and there may be a small fee for processing. These reward points can be redeemed for statement credit, gift certificates, and products against SBI Card reward catalog.
SBI SimplyCLICK Credit Card: This card is designed particularly for online spending. It provides 10X Reward Points on online spending at selected partner brands and 5X Reward Points for other online spending. The reward rate is brought down to 1 Reward Point per ₹100 for spending offline. The accumulated reward points can be redeemed for e-vouchers, flight and hotel bookings, or cashback at the rate of 4 Reward Points = ₹1. The card members can redeem their points online either through the SBI Card website or mobile app. The minimum requirement is 2,000 Reward Points to be redeemed, and a nominal processing fee can be levied.
Milestone Benefits
SBI SimplySAVE Credit Card: This card has no milestone benefits over and above normal reward points.
SBI SimplyCLICK Credit Card: Clients can get ₹2,000 Cleartrip e-vouchers on crossing a year’s online spends of ₹1,00,000 and a voucher of like value when they cross ₹2,00,000 in online spends. This feature makes the card highly rewarding for regular online buyers.
Fees and Waivers
Both SimplySAVE and SimplyCLICK credit cards have a joining fee of ₹499 and an annual fee of ₹499, which is waived if the cardholder spends more than ₹1,00,000 in a year. The renewal fee is also ₹499 for one year on both cards, making them fairly priced entry-level credit cards.
Regarding the spend-based waiver fee, both cards have a means of waiving the renewal fee. For the SBI SimplySAVE Credit Card, you can have the renewal fee waived if you spend ₹1 lakh or above in a year. The SimplyCLICK Credit Card has the same requirement, wherein if you spend ₹1 lakh in a year, you’ll also have the renewal fee waived.
Fuel Surcharge Waiver
Both cards offer a waiver on fuel transactions between ₹500 and ₹3,000 at a rate of 1%, with a maximum waiver of ₹100 per month.
Annual Spending Example Case Study: ₹2,00,000 Total Categories
In this case study, we’ve calculated how ₹2,00,000 annual spending across both online and offline categories can give the rewards and cashback earned through the SBI SimplySAVE Credit Card and the SBI SimplyCLICK Credit Card. By breaking down spending into groceries, dining, online shopping, and miscellaneous categories, we’ve calculated the total reward points accumulation and cashback for each card. This comparison will help to demonstrate how every card is made to accommodate a fluctuating spending habit and which one provides the most worth for your expenditures.
| Category | SBI SimplySAVE Credit Card | Accumulated Reward Points (SBI SimplySAVE) | SBI SimplyCLICK Credit Card | Accumulated Reward Points (SBI SimplyCLICK) |
|---|---|---|---|---|
| Total Annual Spend (₹) | ₹2,00,000 | ₹2,00,000 | ||
| Grocery & Departmental Stores | ₹40,000 – 10 Reward Points per ₹150 | 2,667 RP | ₹40,000 – 1 Reward Point per ₹100 | 400 RP |
| Dining & Movies | ₹20,000 – 10 Reward Points per ₹150 | 1,333 RP | ₹20,000 – 1 Reward Point per ₹100 | 200 RP |
| Fuel | ₹20,000 – No reward points on fuel | 0 RP | ₹20,000 – No reward points on fuel | 0 RP |
| Online Shopping (Partner Brands) | ₹50,000 – 1 Reward Point per ₹150 (non-partner spend) | 333 RP | ₹50,000 – 10 Reward Points per ₹100 | 5,000 RP |
| Other Online Shopping | ₹40,000 – 1 Reward Point per ₹150 | 267 RP | ₹40,000 – 5 Reward Points per ₹100 | 2,000 RP |
| Offline Miscellaneous | ₹30,000 – 1 Reward Point per ₹150 | 200 RP | ₹30,000 – 1 Reward Point per ₹100 | 300 RP |
| Total Reward Points Earned | 4,800 RP | 4,800 RP | 7,900 RP | 7,900 RP |
| Value of Reward Points (₹) | 4,800 ÷ 4 = ₹1,200 | ₹1,200 | 7,900 ÷ 4 = ₹1,975 | ₹1,975 |
| Milestone Benefits | N/A | ₹4,000 (Cleartrip e-vouchers) | ₹4,000 (Cleartrip e-vouchers) | ₹4,000 (Cleartrip e-vouchers) |
| Total Cashback Value (₹) | ₹1,200 | ₹1,200 | ₹5,975 | ₹5,975 |
Conclusion: Which Card to Select?
Both the SBI SimplySAVE and SBI SimplyCLICK Credit Cards are made to suit various lifestyles. The SimplySAVE Card is ideal for those who spend a lot on groceries, dining, movies, and departmental stores, as it offers additional reward points for these categories. If your expenditure leans more towards offline purchases and daily needs, the SBI SimplySAVE Credit Card will provide more rewards. For an annual spend of ₹2,00,000, you’ll earn 4,800 Reward Points, which equates to ₹1,200 cashback.
Meanwhile, the SimplyCLICK Card will suit you more if you buy frequently online, especially from the card’s co-brands. If you buy a lot online, the SBI SimplyCLICK Credit Card will reward you more, along with incremental milestone benefits. With the same ₹2,00,000 yearly spend, you’ll earn 7,900 Reward Points worth ₹1,975 cashback, in addition to another ₹4,000 of milestone e-vouchers, totalling to ₹5,975 in cashback value.
Your choice should ultimately be determined by your spending habit, if you’re looking at offline necessities, the SimplySAVE card is a superior option, whereas if you shop online often, the SimplyCLICK card is more valuable.
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