SBI Card offers a variety of credit cards tailored to suit different lifestyles, and among the most popular are the SBI Simply Click and SBI Simply Save credit cards. While both come with attractive rewards and perks, they cater to different spending habits. Simply Click focuses on rewarding online shopping, whereas Simply Save is designed for everyday offline purchases like groceries and dining. In this guide, we’ll compare both cards in detail so you can choose the one that truly matches your lifestyle and maximizes your benefits.
Overview of SBI Simply Click Credit Card
Key Features
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Earn 10X Reward Points on online spends with exclusive partners like Amazon, BookMyShow, Cleartrip, and more.
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5X Reward Points on other online spends.
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1 Reward Point per ₹100 on all other spends.
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Welcome gift: ₹500 Amazon voucher on payment of joining fee.
Annual Fees & Charges
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Joining Fee: ₹499 + taxes.
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Renewal Fee: ₹499 + taxes (waived on annual spends of ₹1 lakh or more).
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Interest rate: 3.50% per month (42% annually).
Best Suited For
This card is ideal for frequent online shoppers who spend significantly on e-commerce platforms, entertainment, and travel bookings. It’s a great choice if you want to earn accelerated rewards on your digital spending habits.
Overview of SBI Simply Save Credit Card
Key Features
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Earn 10 Reward Points per ₹100 spent on dining, groceries, movies, and departmental store purchases.
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1 Reward Point per ₹100 on all other spends.
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Welcome gift: 2,000 bonus Reward Points on spending ₹2,000 within the first 60 days.
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Redeem points for a variety of gifts, vouchers, and statement credit.
Annual Fees & Charges
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Joining Fee: ₹499 + taxes.
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Renewal Fee: ₹499 + taxes (waived on annual spends of ₹1 lakh or more).
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Interest rate: 3.50% per month (42% annually).
Best Suited For
Perfect for offline shoppers who frequently spend on groceries, dining out, and entertainment. It rewards everyday lifestyle purchases, making it a good fit for those who prefer swiping at physical stores rather than shopping online.
Side-by-Side Comparison Table
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Feature / Benefit |
SBI Simply Click Card |
SBI Simply Save Card |
|
Joining Fee |
₹499 + taxes |
₹499 + taxes |
|
Renewal Fee |
₹499 + taxes (waived on spends ≥ ₹1 lakh) |
₹499 + taxes (waived on spends ≥ ₹1 lakh) |
|
Welcome Benefit |
₹500 Amazon voucher |
2,000 bonus Reward Points on ₹2,000 spend in 60 days |
|
Reward Rate (Bonus) |
10X points with partner sites, 5X on other online |
10 points/₹100 on dining, groceries, movies, retail |
|
Standard Reward Rate |
1 point/₹100 on all other spends |
1 point/₹100 on all other spends |
|
Best For |
Online shopping & e-commerce |
Everyday offline spending & lifestyle |
|
Interest Rate |
3.50% per month (42% p.a.) |
3.50% per month (42% p.a.) |
Pros & Cons of Each Card
SBI Simply Click – Pros & Cons
Pros:
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Excellent reward rate for online spends, especially with partner brands.
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Affordable annual fee with easy waiver conditions.
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Attractive welcome gift for online shoppers.
Cons:
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Lower rewards for offline transactions.
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Limited partner brands for maximum 10X rewards.
SBI Simply Save – Pros & Cons
Pros:
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High reward rate on dining, groceries, movies, and departmental stores.
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Useful for daily offline expenses.
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Easy-to-reach bonus points welcome offer.
Cons:
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Minimal benefits for online shopping.
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Rewards not as lucrative for frequent travelers or e-commerce shoppers.
Which Card Should You Choose?
If your spending is heavily tilted towards online shopping, travel bookings, and digital services, the SBI Simply Click Credit Card will give you maximum value through its high reward rates with e-commerce partners. On the other hand, if you spend more on groceries, dining out, movies, and retail stores, the SBI Simply Save Credit Card will help you save more on daily expenses.
For many users, the choice comes down to lifestyle. Online shoppers will appreciate Simply Click’s 10X points structure, while offline spenders will enjoy Simply Save’s dining and grocery perks. If your spending is well balanced between online and offline purchases, you could even consider holding both cards to maximize rewards across categories.
Conclusion
Both the SBI Simply Click and SBI Simply Save Credit Cards are great entry-level options with attractive reward programs. The Simply Click shines for online shoppers, while the Simply Save is a better fit for those who spend more on everyday offline purchases. By matching your card choice to your spending habits, you can maximize rewards, enjoy welcome perks, and make your annual fees practically free through fee waiver conditions. Ultimately, the best card is the one that aligns seamlessly with your lifestyle and helps you save while you spend
