Simply Save SBI Card vs SBI SimplyClick Credit Card: Comparison

Simply Save SBI Card vs SBI SimplyClick Credit Card: Comparison

 

Introduction

When selecting a credit card from the SBI credit cards array, you have the option to select between the SBI Simply Save SBI card and the SBI SimplyClick Credit Card options. The first choice is better for regular spending like electricity bills, groceries, and meals. The other is perfect for online shopping. For this article, we will be analysing both cards, their features, benefits, and disadvantages and help you figure out which one will be the best for your spending style and what you hope to achieve.

 

1. Rewards & Cashback/ Points

SBI Simply Save

• For every Rs. 150 spent on groceries, eating, movies, and department stores, you will receive 10 Reward Points.

• For all other purchases, earn 1 Reward Point per Rs. 150. 

• Fuel surcharge waiver of 1% for transactions between Rs. 500 and Rs. 3,000.  

SBI Simply Click

• 10x Reward Points on online spending at partner merchants (like Myntra, BookMyShow, Cleartrip, etc.). 

• 5x Reward Points on other online spending. 

• 1 Reward Point per Rs. 100 on all other spending. 

• Fuel surcharge waiver of 1% for transactions between Rs. 500 - Rs. 3,000 (max Rs. 100 per billing cycle).  
  
  

2. Milestone / Bonuses & Extra Perks

Simply Save SBI Card 

• Some welcome / bonus reward points offers (varies) 

• The annual fee can be waived with sufficient spending. 

SBI SimplyClick Credit Card

• On payment of an annual fee, you receive an Amazon gift card worth Rs. 500 (India) as a welcome benefit. 

• Milestone benefits: e-vouchers worth Rs. 2,000 for achieving online spending of Rs. 1 lakh or Rs. 2 lakh annually. (SBI Card)

• The annual fee can be waived if you meet the online spending target. 

 

3. Fees, Surcharges & Charges  

Type	Simply Save	Simply Click
Annual Fee	Rs. 499 + GST (with waiver)	Rs. 499 + GST
Fuel Surcharge	1% (Rs. 500 to Rs. 3,000)	1% ( Rs. 500 to Rs. 3000 )
Other Charges	Usual SBI Card interest, late fee, foreign currency markup, etc (standard across SBI cards)	Same standard charges

 

Apply for the Simply Save SBI card online

Apply for the SBI SimplyClick Credit Card online

4. Strengths & Weaknesses

Simply Save SBI Card 

Pros:  

• Good for everyday offline spending – groceries, dining, departmental, movies  

• Reliable and predictable rewards for routine expenses  

• Annual fee waiver if usage target is met. 

Cons:  

• Rewards on online shopping are low (only 1 RP per Rs. 150). 

• Milestones & bonus perks are limited. 

• Less appealing for e-commerce/utility spenders. 

 

SBI SimplyClick Credit Card  

Pros:  

• Excellent for frequent online shoppers - higher multipliers on partner and non-partner online spends. 

• Welcome, Amazon voucher & milestone rewards boost value.

• Fee waiver if you meet the spend target. 

Cons:  

• Lower value on offline/everyday expenses

• The card requires you to keep spending a lot online.

• You might find this card unsuitable if most of your spending is done offline. 

 

5. Ideal User Profile 

Select Simply SBI Card if you:

• Spend more on groceries, dining, and department stores, and less online. 

• Want straightforward cash rewards on every purchase, and rewards don't need to be earned luxuriously.

• Must not be an online shopaholic.

Select SBI SimplyClick Credit Card if you:

• Shop online for most of your items, including travel and bill payments. 

• Want to maximise points earned and redeemed on your online purchases.

• Can achieve the targets that allow you to gain the most points.

Balanced approach: 

If you frequently shop offline and online, you might have both, combining the two to benefit you more. 

(Online use Simply Click. For offline use Simply Save).

 

Explore the best credit cards in India for 2025

 

Tips to Maximise Value 

1. For an annual fee waiver, spend Rs. 1 lakh online (Simply Click) or on total spends (Simply Save).

2. For groceries, dining out, etc. Simply Save is used. Simply Click is for online shopping and bill payments for utilities.

3. Always check if a merchant is a “partner” to get 10x the rate.

4. Convert and use your points for rewards before they expire.

5. Credit card issuer policies change. (As an example, starting September 2025, SBI will remove reward points on some cards for digital gaming spends.) 

 

Conclusion: 

SBI Simply Save and Simply Click credit cards serve different but overlapping purposes. If your spending pattern is more offline and routine, Simply Save gives consistent rewards. Simply Click offers larger multipliers on utility and e-commerce expenditures if you lead a largely online lifestyle.

Pick whichever aligns more with your spending habits. Otherwise, if you have the flexibility, use both in a more planned way - Simply Save for offline rewards and Simply Click for your online spending.

 

Disclaimer

No buy or sell recommendation. No advice or suggestion was given regarding the purchase. Perform research at your end or take advice from certified financial advisors. The details mentioned are as of the writing of this content (11th October 2025) and are dynamic in nature, which might change in the future.