Choosing the right credit card can feel confusing, especially when two popular options offer very different benefits. The SBI SimplySAVE Credit Card and Cashback SBI Credit Card are both beginner-friendly cards, but they work in very different ways.
One gives reward points for everyday spending, while the other gives direct cashback. In this detailed guide, we will compare both cards in simple words so you can decide which one is better for you.
SimplySAVE vs SBI Cashback Credit Card Overview
Both cards are offered by SBI Cards and Payment Services Limited and are good for new users. But the value you get depends on how you spend your money.
- SimplySAVE is best for daily expenses
- Cashback card is best for online shopping
Annual Fees and Welcome Benefits
The first thing most people check is the annual fee and joining benefits.
Fees Comparison Table
Key Points
- SimplySAVE is cheaper and comes with welcome reward points
- Cashback card has no joining benefit
- Fee waiver is easier in SimplySAVE (₹1 lakh vs ₹2 lakh)
Rewards vs Cashback System
This is the biggest difference between these two cards.
Reward Structure Comparison
SimplySAVE Reward Details
- 10X points = 10 points per ₹150
- Effective return:
- Around 1.5%–1.7% in bonus categories
- Around 0.17% on regular spending
- Minimum redemption: 2,000 points
This means you need to collect points before using them.
Cashback SBI Card Details
- 5% cashback on online spending
- 1% cashback on offline spending
- Cashback is automatically credited
No need to redeem anything. Very simple.
Which One Gives Better Value
Let’s understand with a simple example.
Example Spending (Monthly ₹20,000)
Result
- Online users → Cashback card wins clearly
- Offline/daily users → SimplySAVE is decent
Lifestyle and Extra Benefits
Both cards offer basic features only.
Features Comparison
These are basic cards, so don’t expect premium benefits.
Pros and Cons
SBI SimplySAVE Credit Card
Pros
- Low annual fee
- Good for grocery, dining, movies
- Welcome bonus available
Cons
- Low reward value
- Complicated redemption
- Not good for online shopping
Cashback SBI Credit Card
Pros
- High 5% cashback on online spending
- Simple and automatic cashback
- Better overall savings
Cons
- Higher annual fee
- No welcome benefit
- Cashback cap applies
Also Read: Best Cashbacak Credit Card 2026
Final Verdict
Both cards are good for beginners, but your choice should depend on your spending habits.
- If you shop online frequently, go for the Cashback SBI Credit Card. It gives clear and high savings without any effort.
- If you spend more on groceries, dining, and daily needs, the SBI SimplySAVE Credit Card is a decent low-cost option.
For most users today, especially those who use apps and online shopping platforms regularly, the Cashback SBI Credit Card gives better value and is the smarter choice.
Apply for a Credit Card & Get Instant Approval