SBI Simply SAVE vs Simply CLICK Credit Card – Which is better?

For a couple of years, you must be observing that in amazon and Flipkart sales most promoted cards are the SBI card and debit card. And for some times SBI credit cards always had an edge with extra discount. Even in some cases, the only valid card for a discount is an SBI credit card. So imagine if you had one then how much money would you save. So today we will review the most popular and most affordable two SBI credit cards that are – SBI Simply SAVE and SBI Simply CLICK Credit cards. And we will surely discuss the difference between them to determine which one is best for your requirements. If you already familiar with these cards and only want to know the difference side by side then directly go to SBI Simply SAVE vs Simply CLICK paragraph.

SBI Simply SAVE and Simply CLICK Credit Cards are entry-level lifestyle credit cards with low renewal fees and lots of benefits. These cards are perfectly suitable for beginners. However, both of the cards are different in terms of benefits and suitable for different purposes. So in this article, we will discuss the difference between SBI Simply SAVE vs Simply CLICK credit card in detail.

SBI Simply SAVE vs Simply CLICK Credit Card

 SBI Simply Save Credit CardSBI Simply Click Credit Card
Welcome OfferSpend ₹2,000 or more in first 60 days and get 2,000 bonus Reward PointsSpend ₹2,000 or more in first 60 days and get ₹500 Amazon gift voucher
Cashback Offer– Get ₹100 cash back on your first ATM cash withdrawal, within first 30 days of receiving card– E-voucher worth ₹2,000 on annual online spends of ₹1 Lakh

– Additional e-voucher worth ₹2,000 on annual online spends of ₹2 Lakh
10X Reward Points10 Reward Points per ₹100 spent on Dining, Movies, Departmental Stores and Grocery SpendsEarn 10X Reward Points per ₹100 spent on Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / Netmeds / UrbanClap / Rentomojo
Other Reward PointsEarn 1 Reward Point per ₹100 spentEarn 5X rewards on all other online spends
Dining Offers15% discount at select restaurants + 10x Reward Points15% discount at select restaurants
Fuel Surcharge Waiver1% fuel surcharge1% fuel surcharge
Reward Point Value4 Reward Points = ₹14 Reward Points = ₹1
Eligibility on Amazon, Flipkart or any other online saleApplicable for discount if SBI credit card offer promotedApplicable for discount if SBI credit card offer promoted
Best Suited ForOffline useOnline use
Apply OnlineClick HereClick Here

Fees and Other Charges of SBI Simply SAVE vs Simply CLICK Credit Cards

 SBI Simply Save Credit CardSBI Simply Click Credit Card
Joining Fees₹499 (one-time)₹499 (one-time)
Renewal Fees₹499 (per annum)₹499 (per annum)
Fees Waiving Off CriteriaIf Annual Spends for last year = ₹90,000If Annual Spends for last year = ₹1 lac
Add-on Card FeesNo extra chargesNo extra charges
Cash Withdrawal Fees2.5% of the Amount with a minimum of ₹5002.5% of the Amount with a minimum of ₹500
Late Payment ChargesNormalPremium

Late Payment Charges for SBI Simply Save

  • No charges for the total amount due of Rs. 500 or below
  • Rs. 400 for the total amount due greater than Rs. 500 and up to Rs. 1,000
  • Rs. 750 for the total amount due greater than Rs. 1,000 and up to Rs. 10,000
  • Rs. 950 for the total amount due greater than Rs. 10,000

Late Payment Charges for SBI Simply Click

  • No charges for the amount of ₹500 or below.
  • ₹400 for the amount between ₹500 to ₹1000.
  • ₹750 for the amount between ₹1001 to ₹10000.
  • ₹950 for the amount between ₹10001 to ₹25000.
  • ₹1100 for the amount between ₹25001 to ₹50000.
  • ₹1300 for the amount above ₹50000.

Eligibility Criteria for These Credit Cards

 SBI Simply Save Credit CardSBI Simply Click Credit Card
Minimum Age of the Applicant21 Years21 Years
Maximum Age of the Applicant70 Years70 Years
OccupationSalaried or Self-employedSalaried or Self-employed
Minimum Income– Rs. 20,000 per month for Salaried person

– Rs. 30,000 per month for Self-employed person
– Rs. 20,000 per month for Salaried person

– Rs. 30,000 per month for Self-employed person
Minimum Cibil Score750 and Above750 and Above
Citizenship StatusMust be a Citizen of IndiaMust be a Citizen of India

Document Required for any SBI credit cards

Like every other credit card, a proper verification process is needed here. You have to submit all the valid documents and proofs and after that, some telephonic and physical verification will be done from the SBI end. Given below is the list of acceptable documents. So please check if the valid documents can be arranged or not and which set of documents will be easy for you to present.


Conclusion

I hope this detailed difference between SBI Simply SAVE vs Simply CLICK Credit Card was informative and helpful. So now it is time to determine which card is best suited for you. The annual fee and other charges are similar for both of these credit cards. The main difference is in the reward point structure. I have used both of the cards personally and have a good idea where to use which card.

So if you are an offline person and buy your daily or monthly groceries from a grocery store or a supermarket or often visit a restaurant then SBI Simply SAVE credit card is the best option for you. You will get 10x reward points in all these cases, that is 10 points per Rs 100 spend. And 10 points equal to Rs 2.5. It may seem a low amount but think if you always spend at least 10000 on your grocery and restaurant then you can save Rs 250 per 10K. Therefore, it is huge compared to cash spend where no reward is given.

Now let’s talk about a person whose maximum percentage of the purchase is online. If you order groceries online from Amazon or Grofers or other outlets and always order food online rather than visiting a restaurant then surely go for SBI Simply CLICK Credit Card. You will get up to 10x reward points in these purchases and the calculation of points is already explained in the above paragraph.

Which one do you think is better: Simply SAVE or Simply CLICK? Let me know in the comments below.


Apply for SBI Credit Card Online

How to Apply for SBI Simply SAVE or Simply Click Credit Card Online?

  1. Go to official SBI website

    Click here for Simply Save & Click here for Simply Click.

    sbi card apply step1

  2. Enter Basic Details

    Fill up basic details such as name, address, contact number, income, occupation details, etc.

    sbi card apply step2

  3. Verify phone number

    Verify the mobile number by entering the OTP received.

    sbi card apply step3

  4. Document collection

    After successfully entering all the details correctly you will receive a call from SBI for Document collection.

  5. Document verification

    A field agent will come to verify and collect the document.

  6. Conformation

    Once the documents are verified, you will get a call for confirmation and the credit card will be issued.


SBI Card App

Manage your SBI credit card is pretty easy with the SBI card app. It is a professional simple-looking app with easy to use user interface. You can manage multiple SBI cards from this single app. Moreover, all the statements, spend, reward points can be observed here. You can easily pay the credit card bill and can also use it to recharge your phone, DTH, booking flight, hotel booking from this single app.

For more details visit SBI official Website – Click Here


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FAQ

What is the minimum salary required for applying SBI credit card?

Minimum salary required for applying a basic SBI card is Rs. 20,000 per month for Salaried person and Rs. 30,000 per month for Self-employed person.

Can I transfer my outstanding balance on any other bank’s credit card?

Yes, SBI credit cards allows users to transfer outstanding balance on other credit card to this card. You can use SBI card app for doing so.

Which SBI credit card is best for Online purchase?

SBI Simply Click credit card is best for online spending as it provides 10x reward points in major online stores like amazon Flipkart etc.

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