SBI Simply Save and Simply Click are considered to be the most affordable and highly rewarding entry-level lifestyle credit cards. Where Simply Save caters to cardholders’ daily offline expenditure, Simply Click caters to cardholder’s 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 spending gives Simply Click a little edge. However, the SBI Simply Save Credit Card can be the best-suited card for you if you spend more offline.
Pros and Cons
- Simply Save Credit Card
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- Simply Click Credit Card
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Fees and Charges
| Particulars | SBI Simply SAVE Credit Card | SBI Simply CLICK Credit Card |
| Annual Fee | INR 499 (Reversed on Annual Spends of INR 90,000 in the previous year) | INR 499 (Reversed on Annual Spends of INR 1,00,000 in the previous year) |
| Add-on card fee per annum | Nil | Nil |
| Finance Charges | 3.5% (p.m.)
42% (p.a.) |
3.5% (p.m.)
42% (p.a.) |
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Key Features
Let us now have a look at the salient features of both the cards, one after the other.
- SBI Simply Save Credit Card
- Get 2,000 Bonus Reward Points worth INR 500 when INR 2,000 are spent in the first 60 days of card activation.
- Link the card to some popular UPI apps like Google Pay, PhonePe, Paytm, etc.
- You can get a waiver on the card’s annual fees when you spend INR 1 Lakh or more in the previous year.
- For every fuel transaction between INR 500 and INR 3,000, the cardholder can get a 1% waiver on the fuel surcharge to a maximum of INR 100 per month.
- Get 10X Reward Points for every INR 150 expense made on movies, departmental stores, dining, and grocery spending (reward rate = 2.5%).
- Get 1 RP when INR 150 is spent on other purchases (Reward rate = 0.25%).
- It can be accessed in more than 24 million outlets worldwide, including 3,25,000 outlets in India.
- Get all your big purchases of INR 250 and above converted into FlexiPay, i.e. easy EMIs within 30 days of the purchase.
- SBI Simply Click Credit Card
- Get an Amazon gift card of INR 500 when paying the membership fees for the SBI Simply Click Credit Card.
- The user will get a coupon code on his/her registered mobile number within 30 days of making the payment of the membership fee.
- The gift certificate has a validity of an year from the date of its purchase.
- Earn 1 Reward Point on every INR 100 spent on other remaining categories.
- Get 10x reward points to make online purchases made at partner stores, which include Cleartrip, BMS, EazyDiner, Apollo 24/7, and Netmeds.
- Get 5X reward points on all remaining online spends.
- 1 Clear trip e-voucher worth INR 2,000 on annual online spends of INR 1 lakh.
- 1 Clear trip e-voucher worth INR 2,000 on annual online spends of INR 2 lakhs.
- Get a waiver of 1% fuel surcharge for each transaction between INR 500 & INR 3000 (exclusive of GST and all other charges).
How to Redeem Reward Points?
- SBI Simply Click Credit Card
- Redeem the card reward points as mentioned below:
1 Reward Point = INR 0.25, i.e., 4 Reward Points = Re. 1.
- Login to www.sbicard.com with your user ID and password.
- Next, click on rewards and then “Redeem rewards”.
- You can now browse through the rewards catalogue and choose the item of your choice.
- Post that, click on ‘redeem now’ and confirm.
- SBI Simply Click Credit Card
- Redeem the card reward points as mentioned below:
1 Reward Point = INR 0.25, i.e., 4 Reward Points = Re. 1.
- Visit the official website of SBI Card.
- Click on “Rewards”.
- Many products will then be displayed on the screen.
- Select the product against which Points are to be redeemed.
- In case points are to be used to buy it, choose the option ‘Points only, and if partial points are to be used to buy it and the remaining amount is to be paid, choose the option ‘Points + Pay.’
- Login using the registered mobile number or card details, and then redeem the points.
To redeem the reward points against the statement balance:
- Log in to sbicard.com.
- From the main menu, select Mailbox.
- Under the options category, select ‘Reward Points Redemption.’
- Under the option sub-category, select ‘Request for redemption’ and proceed further to send the mail.
Conclusion
As can be seen above, Simply Save Card targets the offline spenders, and on the contrary Simply Click targets online spenders. The 5X reward program in case of online spending and the milestone benefits make Simply Click a better option than Simply Save.