|
SBI SimplySAVE |
SBI SimplyCLICK |
| Best Suited for |
|
- 🎁 Rewards
- 🛍️ Online Shopping
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| Fee Details |
Joining Fee: ₹499
Annual/Renewal Fee: ₹499
NA |
Joining Fee: ₹499
Annual/Renewal Fee: ₹499
NA |
| Welcome Benefit |
- 🎁 2,000 bonus reward points on spending Rs. 2,000 within 60 days of card issuance
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- 🎁 Amazon voucher worth Rs. 500 on payment of joining fee
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| Reward/Cashback Rate |
- 10 reward points per Rs. 150 spent on dining, movies, departmental stores and grocery spends
- 1 reward point per Rs. 150 spent on other categories
- 1 reward point = Rs. 0.25
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- 10X reward points on online partner brands: BookMyShow, Swiggy, Apollo24X7, Dominos, IGP, Myntra, Yatra, Netmeds & Cleartrip
- 5X reward points on all other online spends
- 1 reward point per Rs. 100 spent offline
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| Lounge Access |
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| Pros |
- 10X reward points on dining, movies, grocery and departmental store spends
- Entry-level credit card with low annual fee and easier eligibility terms
- Annual fee waiver condition of Rs. 1 Lakh in a year
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- 10X reward points on brands covering multiple categories like shopping, travel, movies, dining and more
- Low annual fee and comparatively easier eligibility terms
- Easily achievable fee waiver condition of Rs. 1 Lakh in a year
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| Cons |
- Reward redemption options are limited to select brand vouchers only
- No significant benefits other than the rewards program
- Low reward rate as compared to some entry-level cashback cards
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- Limited options for reward redemption
- Online shopping benefits come in the form of rewards, the value of which may not be satisfactory in comparison to cashback credit cards like Amazon Pay ICICI or Cashback SBI Card
- The array of collaborated brands under the accelerated earnings is not impressive
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| Who should get this card? |
- Beginners looking for a low-annual fee credit card with benefits on everyday categories
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- Beginners looking for a card that offers higher rewards on online spends, especially on partnered brands, like Dominos, Cleartrip, BookMyShow & more
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Fees and Charges of SBI SimplySAVE Credit Card and SBI SimplyCLICK Credit Card
| Particulars |
SBI SimplySAVE Credit Card |
SBI SimplyCLICK Credit Card |
| Annual Fee |
Ra. 499 (Reversed on Annual Spends of Rs. 90,000 in the previous year) |
Rs. 499 ( (Reversed on Annual Spends of Rs. 1,00,000 in the previous year) |
| Add-on card fee per annum |
Nil |
Nil |
| Finance Charges |
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| Late payment Charges |
- NIL for the total amount due from Rs.0-Rs.500;
- Rs. 400 for the total amount due greater than Rs. 500 & up to Rs. 1000;
- Rs. 750 for a total amount due greater than Rs. 1000 & up to Rs. 10,000;
- Rs. 950 for a total amount due greater than Rs. 10,000 up to Rs. 25,000;
- Rs. 1100 for the total amount due greater than Rs. 25,000 & up to Rs. 50,000
- Rs. 1300 for total Amount due greater than Rs. 50,000
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- NIL for a total amount due from Rs.0-Rs.500;
- Rs. 400 for the total amount due greater than Rs. 500 & up to Rs. 1000;
- Rs. 750 for a total amount due greater than Rs. 1000 & up to Rs. 10,000;
- Rs. 950 for a total amount due greater than Rs. 10,000 up to Rs. 25,000;
- Rs. 1100 for the total amount due greater than Rs. 25,000 & up to Rs. 50,000
- Rs. 1300 for total Amount due greater than Rs. 50,000
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SBI SimplySAVE and SimplyCLICK are two of the most affordable and highly rewarding entry-level lifestyle credit cards offered by SBI Card. While SimplySAVE caters to cardholders’ everyday offline expenditure, SimplyCLICK caters to online spending. The only choice you have to make is about your needs. If you are someone who loves to shop online and is looking for rewards, the 5x rewards on all your online spends gives SimplyCLICK a little edge. However, SBI SimplySAVE can be the best-suited card for you if you spend more offline. Also, if you are looking for cards with better offers on online spending, you can consider opting for cards such as Flipkart Axis Bank Credit Card and Amazon Pay ICICI BankCredit Card.
Suggested Read: Flipkart Axis Bank Credit Card Vs. Amazon Pay ICICI Bank Credit Card
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