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SBI SimplyCLICK Credit Card vs SBI SimplySAVE Credit Card
On net annual value, SBI SimplyCLICK comes out ahead for everyday spenders, online shoppers and frequent travellers (by up to ₹3,832 a year), and SBI SimplySAVE for high spenders (by ₹605 a year). SBI SimplyCLICK earns 0.25% on everyday spends outside merchant or portal bonuses, and SBI SimplySAVE earns 1.67% on dining at best. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | SBI SimplyCLICK Credit Card | SBI SimplySAVE Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹6,073/yr✓ +₹2,339/yr | ₹3,734/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹7,775/yr✓ +₹3,832/yr | ₹3,943/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹239/yr✓ +₹1,753/yr | −₹1,514/yr |
High spender ≈ ₹2.5L/mo across every category | −₹2,828/yr | −₹2,223/yr✓ +₹605/yr |
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | SBI SimplyCLICK Credit CardSBI Reward Points | SBI SimplySAVE Credit CardSBI Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.25BEST | ₹0.25BEST |
| Gift vouchers | ₹0.25BEST | ₹0.25BEST |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| SBI SimplyCLICK Credit Card | SBI SimplySAVE Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹499 | ₹499 |
| Annual fee | ₹499/yr | ₹499/yr |
| Annual fee — all-in (incl. 18% GST) | ₹589 | ₹589 |
| Fee waiver at | ₹1,00,000/yr spend | ₹1,00,000/yr spend |
| Welcome benefit | ~₹500 | ~₹500 |
| Rewards | ||
| Best everyday reward | 0.25% on everyday spends | 1.67% on Dining ✓ |
| Dining | 0.25% | 1.67% ✓ |
| Groceries | 0.25% | 1.67% ✓ |
| Online Shopping | 0.25% ✓ | 0.17% |
| Base rate — other spends | 0.25% ✓ | 0.17% |
| Charges | ||
| Forex markup | 3.5% | 3.5% |
| Finance charge | 3.75% p.m. | 3.75% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| fuel waiver | ~₹600/yr · 1% fuel surcharge waiver on transactions of ₹500–₹3,000 at all petrol pumps, capped at ₹100 per statement cycle | ~₹600/yr · 1% fuel surcharge waiver (up to ₹100/month) |
| milestone bonus | ~₹2,000/yr · A second ₹2,000 Cleartrip or Yatra e-voucher at ₹2 lakh of annual ONLINE spend — again, online spend only | — |
| Eligibility | ||
| Min income | — | — |
| Min age | — | — |
| UPI linked | — | — |
| Expert rating | 4.3 / 5 ✓ | 3.8 / 5 |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Which should you pick?
Choose the SBI SimplyCLICK Credit Card if you want strong rewards on everyday spends. Consider the SBI SimplySAVE Credit Card if you spend more on dining. Your actual best card depends on how you spend — run your numbers below.
SBI SimplyCLICK Credit Card vs SBI SimplySAVE Credit Card — FAQs
Which has a lower annual fee, SBI SimplyCLICK Credit Card or SBI SimplySAVE Credit Card?
As of 11 Oct 2026, SBI SimplyCLICK and SBI SimplySAVE both charge ₹499 a year, or ₹589 with 18% GST. SBI SimplyCLICK and SBI SimplySAVE both waive the fee once you spend ₹1,00,000 in a card year. What SBI SimplyCLICK and SBI SimplySAVE do charge is a 3.5% markup on foreign-currency spend.
Do SBI SimplyCLICK Credit Card and SBI SimplySAVE Credit Card offer airport lounge access?
As of 11 Oct 2026, neither SBI SimplyCLICK nor SBI SimplySAVE lists complimentary lounge access of any kind, airport or railway. For spending abroad, SBI SimplyCLICK and SBI SimplySAVE both add a 3.5% forex markup.
Which card has lower forex markup, SBI SimplyCLICK Credit Card or SBI SimplySAVE Credit Card?
As of 11 Oct 2026, SBI SimplyCLICK and SBI SimplySAVE charge the same 3.5% forex markup. With 18% GST on the markup, each foreign-currency transaction on SBI SimplyCLICK or SBI SimplySAVE costs about 4.13% extra, roughly ₹4,130 on ₹1,00,000 spent abroad.
For a frequent traveller, is the SBI SimplyCLICK Credit Card or SBI SimplySAVE Credit Card better value?
On figures as of 11 Oct 2026, SBI SimplyCLICK comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹239 against −₹1,514 on SBI SimplySAVE, a ₹1,753 gap. At this spend SBI SimplyCLICK and SBI SimplySAVE both waive their annual fees.
For everyday spending, which returns more: SBI SimplyCLICK Credit Card or SBI SimplySAVE Credit Card?
On figures as of 11 Oct 2026, SBI SimplyCLICK comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹6,073 against ₹3,734 on SBI SimplySAVE, a ₹2,339 gap. At this spend SBI SimplyCLICK and SBI SimplySAVE both waive their annual fees.
Which is better, SBI SimplyCLICK Credit Card or SBI SimplySAVE Credit Card?
As of 11 Oct 2026, SBI SimplyCLICK earns 0.25% on everyday spends outside merchant or portal bonuses, paid as SBI Reward Points, and SBI SimplySAVE earns 1.67% on dining at best, paid as SBI Reward Points. SBI SimplyCLICK comes out ahead on net annual value for everyday spenders, online shoppers and frequent travellers, and SBI SimplySAVE for high spenders.