SBI SimplySAVE vs SimplyCLICK Credit Card – Best for Rewards?
Choosing between SBI SimplySAVE and SimplyCLICK Credit Cards depends on your spending patterns and lifestyle. The SimplySAVE Card is designed for everyday spenders who frequently dine out, watch movies, and shop for groceries, offering an attractive 2.5% reward rate on these essential categories with a straightforward earning structure. The SimplyCLICK Card targets digital-first consumers and online shopping enthusiasts, delivering up to 10X reward points on popular e-commerce platforms like Swiggy, Myntra, BookMyShow, and Cleartrip. Both cards feature an affordable ₹499 annual fee and attractive welcome benefits that offset the first-year cost. This detailed comparison breaks down reward rates, category benefits, milestone rewards, and redemption options to help you select the ideal SBI card for maximizing your everyday spending.
| SBI SimplySAVE Credit Card | SBI SimplyCLICK Credit Card |
|---|---|
 SBI |  SBI |
| Card Network | |
| Mastercard, RuPay, Visa | Visa |
| USP | |
| The SBI SimplySAVE Credit Card delivers 2.5% rewards on dining, movies, and grocery shopping with a low ₹499 annual fee and ₹500 welcome bonus, making it perfect for everyday spenders seeking maximum value on essential purchases. | The SBI SimplyCLICK Credit Card delivers exceptional value for online shoppers with up to 10X reward points on popular e-commerce platforms like Swiggy, Myntra, BookMyShow, and Cleartrip, plus attractive milestone benefits and a low annual fee structure ideal for digital-first consumers. |
| Annual Fee | |
| 499 Plus GST | 499 Plus GST |
| Joining Fee | |
| 499 Plus GST | 499 Plus GST |
| Welcome Benefits | |
| Spend ₹2,000 within first 60 days and get 2,000 bonus reward points worth ₹500 | ₹500 Amazon Gift Card voucher on payment of joining fee |
| Lounge Access | |
| N/A | N/A |
| Reward Rate | |
| Earn 10 reward points per ₹150 (2.5%) on dining, movies, departmental stores, and grocery spends; 1 reward point per ₹150 (0.17%) on all other categories except fuel | Earn 2.5% on 10X partner brands (Apollo 24|7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra), 1.25% on other online purchases, and 0.25% on offline purchases. Monthly cap of 10,000 reward points on 10X partners and other online spends. |
| Interest Rate | |
| 3.50% per month (approximately 42% per annum) | 3.5% per month (42% per annum) |
| Best For | |
| Dinning | Online Shopping |
| Pros | |
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| Cons | |
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| Apply Now | Apply Now |
Final Verdict
The SBI SimplySAVE Card is ideal for everyday spenders who frequently dine out, watch movies, and purchase groceries at supermarkets or departmental stores, offering consistent 2.5% rewards across these essential lifestyle categories. The SimplyCLICK Card is perfect for digital-first consumers who rely heavily on online shopping, food delivery through Swiggy, travel bookings via Cleartrip and Yatra, and entertainment platforms like BookMyShow. Choose SimplySAVE for brick-and-mortar lifestyle spending and dining experiences, or SimplyCLICK for maximizing online purchases and app-based services with 10X accelerated rewards.
Frequently Asked Questions
1. Which card is better for dining: SBI SimplySAVE or SimplyCLICK?
SBI SimplySAVE is significantly better for dining with 2.5% rewards on all restaurant spends. SimplyCLICK only offers 2.5% rewards on Dominos orders through its 10X partner program, while offline dining earns just 0.25%. If you frequently dine at various restaurants, SimplySAVE provides consistent rewards regardless of the establishment, making it the clear winner for food enthusiasts.
2. Can I earn rewards on grocery shopping with both cards?
Yes, but differently. SBI SimplySAVE offers 2.5% rewards on grocery purchases at departmental stores and supermarkets, making it excellent for regular grocery runs. SimplyCLICK doesn’t have a specific grocery category; you’ll earn only 1.25% if ordering groceries online through non-partner platforms, or 0.25% for offline grocery shopping. SimplySAVE is superior for grocery rewards.
3. Which SBI card gives better rewards for online shopping?
SBI SimplyCLICK is designed for online shopping with 10X rewards (2.5%) on partners like Myntra, Swiggy, BookMyShow, Cleartrip, and 1.25% on other online merchants. SimplySAVE only gives 0.17% on online purchases unless they fall under dining or entertainment categories. For e-commerce enthusiasts and app-based services, SimplyCLICK delivers significantly higher rewards with its partner ecosystem.
4. Do SBI SimplySAVE and SimplyCLICK offer airport lounge access?
No, neither card provides airport lounge access at domestic or international terminals. Both are entry-level rewards cards focused on cashback and points rather than travel benefits. If lounge access is important, consider premium SBI cards like SBI Card PRIME or SBI Elite, which offer complimentary lounge visits as part of their benefits package.
5. How do the welcome benefits compare between SimplySAVE and SimplyCLICK?
SimplyCLICK offers a straightforward ₹500 Amazon Gift Card upon paying the joining fee, providing immediate value. SimplySAVE gives 2,000 reward points (worth ₹500) after spending ₹2,000 within 60 days, requiring an initial spending threshold. SimplyCLICK’s welcome benefit is more accessible, while SimplySAVE rewards active card usage. Both effectively offset the first-year annual fee.
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