SBI offers many credit cards, but two of the most popular options are the SBI SimplySAVE Credit Card and the SBI SimplyCLICK Credit Card. Both are designed for everyday users who want to earn rewards and enjoy savings on regular spending.
Although they may sound similar, these cards cater to different spending habits. The SimplySAVE card is ideal for people who mostly shop offline, while the SimplyCLICK card is perfect for online shoppers. Let’s understand their features, rewards, and benefits to help you choose the right one for your lifestyle.
Overview of the Two Cards
This card is built for people who prefer shopping, dining, and entertainment in stores rather than online. It offers extra reward points on daily purchases and helps you save on groceries, restaurants, and movies.
Best for: People who spend mostly offline on dining, grocery shopping, and entertainment.
This card is designed for people who do most of their shopping online. It gives higher reward points for digital transactions, especially on partner websites like online fashion stores, travel booking sites, and food delivery apps.
Best for: People who spend more online through e-commerce and digital platforms.
Annual Fee and Renewal
Both cards are affordable and easy to maintain.
Key points:
- Joining fee: ₹499 (plus GST)
- Renewal fee: ₹499 per year
- Renewal fee waiver: Spend ₹1,00,000 or more in the previous year and your next year’s fee is waived
This makes both cards cost-effective for those who use them regularly.
Reward Points Structure
Reward points are the main difference between these two cards. Let’s look at how each one helps you earn.
- Earn 10 reward points for every ₹150 spent on dining, movies, groceries, and departmental stores
- Earn 1 reward point for every ₹150 spent on other purchases
- Points value: 4 reward points = ₹1
- Fuel surcharge waiver: 1 percent on fuel transactions between ₹500 and ₹3,000
This means you can save more when you use the card for day-to-day expenses at local stores or for entertainment.
- Earn 10 times more reward points on online purchases made through partner websites such as travel, shopping, or food delivery platforms
- Earn 5 times more reward points on other online shopping transactions
- Earn 1 reward point for every ₹100 spent on offline transactions
- Fuel surcharge waiver: 1 percent on transactions between ₹500 and ₹3,000
This card clearly gives a better return for users who shop frequently online.
Welcome and Milestone Benefits
- Welcome bonus of 2,000 reward points when you spend ₹2,000 within the first 60 days
- Reward points can be redeemed for shopping vouchers or statement credit
- Welcome e-gift voucher from a partner brand on joining
- Milestone e-gift vouchers worth ₹2,000 each when you reach annual spends of ₹1,00,000 and ₹2,00,000
- Renewal fee waiver on spending ₹1,00,000 or more in a year
SimplyCLICK offers better long-term benefits for frequent users, while SimplySAVE provides quick rewards at the start.
Key Features Comparison
Here’s a simple comparison of the two cards:
Which Card Gives Better Value
The right choice depends on where you spend most of your money.
Choose SBI SimplySAVE if you:
- Shop and dine mostly offline
- Spend frequently on groceries, restaurants, and movies
- Want simple rewards for everyday use
- Do not shop much online
Choose SBI SimplyCLICK if you:
- Spend more on online shopping, travel, or food delivery apps
- Want to earn faster with higher reward multipliers
- Prefer e-vouchers and digital redemption options
- Use e-commerce platforms regularly
If your lifestyle involves both offline and online spending, the SimplyCLICK card usually gives more value overall because of its higher online reward rate and milestone benefits.
Redeeming Reward Points
Both cards allow you to redeem accumulated reward points easily.
Redemption options include:
- Shopping vouchers
- Travel and hotel bookings
- Merchandise like electronics and accessories
- Cashback or statement credit
Important tips:
- Always check the value of your reward points before redeeming
- Redeem points before they expire (most SBI reward points are valid for two years)
- Combine your points with milestone vouchers for bigger savings
Read More: Best Reward Points Credit Card In 2025
Advantages of SimplySAVE
- Easy to earn rewards on everyday offline expenses
- Simple reward structure
- Quick welcome bonus
- Fuel surcharge waiver
Best suited for: People who prefer traditional shopping, dining out, and watching movies.
Advantages of SimplyCLICK
- Higher reward rate for online spending
- Milestone vouchers for frequent users
- Better digital benefits and e-commerce tie-ups
- Ideal for those who shop online regularly
Best suited for: Digital-first users who spend mostly through apps and websites.
Things to Keep in Mind
Before choosing, consider these points:
- Both cards charge an annual fee if you don’t meet the yearly spend limit.
- Reward points have a fixed validity, so redeem them in time.
- If you use both online and offline platforms equally, you can even hold both cards to balance your rewards.
Final Comparison Summary
SimplySAVE Credit Card helps you save on groceries, dining, and entertainment. It is easy to manage and perfect for everyday users who prefer in-person purchases.
SimplyCLICK Credit Card offers higher rewards on online shopping, making it ideal for digital shoppers who spend frequently on the internet.
If your monthly spending is mainly offline, go for SimplySAVE. But if you are an active online shopper who loves earning extra points on every purchase, SimplyCLICK will give you more value for money.