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faayda.com › compare › SBI SimplyClick vs SBI SimplySAVE
Comparison · हिन्दी

SBI SimplyClick vs SBI SimplySAVE

Both cards compared on real rupee returns for SBI entry-level card: online shopping vs everyday spend. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
SBI
SIMPLYCLICK
ASHOK KUMAR
VS
SBI
SIMPLYSAVE
ASHOK KUMAR
Our verdict
SBI SimplyCLICK Credit Card wins for most people
Card A wins with ₹791 annual benefit versus Card B's ₹537, delivering 47% more value. Its higher rewards on online shopping and dining partner brands outweigh the fee despite lower grocery returns.
Side-by-side comparison
SBI SimplyCLICK Credit Card ✓ SBI SimplySAVE Credit Card
Annual benefit ₹791 ₹537
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1L spend) ₹499 + taxes (waived on ₹1,00,000/year spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1 10X points (1.33%) on dining, grocery, movies and departmental stores; 1X (0.13%) on others
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Online spend with SBI relationship Everyday dining and grocery spend at a low fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹20,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
SBI SimplyCLICK Credit Card
Choose Card A if you shop online frequently at partner brands like Myntra, Swiggy, or BookMyShow. The 10X points on these platforms combined with 5X on other online spends maximize your ₹5000 monthly shopping and ₹3000 dining spend.
SBI SimplySAVE Credit Card
Card B suits you only if offline grocery shopping dominates your spend. However, given your ₹3000 online shopping spend, Card A's partner brand rewards deliver significantly better value despite B's focus on groceries.
Who should get which card
Get SBI SimplyCLICK if you…
· Online shopper at Myntra, Swiggy, BookMyShow, and other SBI partners
· Prefer maximizing rewards on frequent online transactions
· Can easily cross ₹1L annual spend to waive the fee
Get SBI SimplySAVE if you…
· Primarily shop offline at departmental stores and physical groceries
· Prefer simpler earning structure without partner brand dependency
· Minimal online spending habits
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, SBI SimplyCLICK Credit Card offers better annual returns for most spend profiles.
SBI SimplyCLICK Credit Card has an annual fee of ₹499 + taxes (waived on ₹1L spend). SBI SimplySAVE Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,00,000/year spend).
SBI SimplyCLICK Credit Card offers 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1. SBI SimplySAVE Credit Card offers 10X points (1.33%) on dining, grocery, movies and departmental stores; 1X (0.13%) on others.
SBI SimplyCLICK Credit Card lounge access: No. SBI SimplySAVE Credit Card lounge access: None.
SBI SimplyCLICK Credit Card charges 3.5% forex markup. SBI SimplySAVE Credit Card charges 3.5% forex markup.