Compare SimplyCLICK SBI Card and SimplySAVE SBI Card: eligible rewards, fee waivers, exclusions and lounge conditions. See dated issuer sources and a spending scenario.
Compare eligible spend, reward currency, exclusions and renewal-waiver conditions before choosing.
SimplyCLICK SBI Card is a paid card focused on shopping rewards, online spending and reward points, charging ₹499 annually before GST.
Apply for SimplyCLICK SBI Card →
SimplySAVE SBI Card is a paid card focused on shopping rewards, dining rewards and reward points, charging ₹499 annually before GST.
Apply for SimplySAVE SBI Card →Issuer MITC link checked: SimplyCLICK SBI Card: 2026-10-29, SimplySAVE SBI Card: 2026-10-29 | No Sponsored Ranking. Issuer record checked: SimplyCLICK SBI Card: 2026-10-09, SimplySAVE SBI Card: 2026-10-09. Link checks confirm document availability, not a complete re-audit of every product rule.
CardIQ may earn a commission from a live partner application link. Compensation does not determine this comparison.
Illustration: equal eligible spending in each of 12 months / statement cycles, no refunds and no prior cap usage. Different merchant baskets may apply to each card; read both assumptions. Rewards are cash-equivalent estimates, not profit or guaranteed savings.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Excludes borrowing interest, redemption charges, extra transaction fees, vouchers, welcome gifts, lounge valuations, FX conversion and paid plans. Selecting Travel / Forex does not assume every travel booking is an overseas transaction. Waiver-eligible spend can differ from reward-eligible spend: this simplified scenario assumes all entered spend counts toward the displayed renewal threshold. Confirm the issuer's exact threshold boundary.
Not verified means unknown, not eligible or excluded. The sourced wording below distinguishes reward exclusions from waiver and lounge rules.
| Condition | SimplyCLICK SBI Card | SimplySAVE SBI Card |
|---|---|---|
| Joining fee + GST | ₹499 + GST · ₹588.82 incl. GST | ₹499 + GST · ₹588.82 incl. GST |
| Renewal fee + GST | ₹499 + GST (waived on ₹1 lakh eligible annual spend) · ₹588.82 incl. GST before waiver | ₹499 + GST (waived on ₹1 lakh eligible annual spend) · ₹588.82 incl. GST before waiver |
| Annual spend for renewal waiver | ₹1,00,000.00 | ₹1,00,000.00 |
| Base and accelerated rewards; caps | 10X points with listed online partners; 5X on other eligible online spends 1 base point per ₹100 on other eligible purchases. | 10 points per ₹150 on eligible dining, movies, groceries and departmental stores 1 point per ₹150 on other eligible purchases; 4 points have ₹1 redemption value. 1% fuel surcharge waiver on ₹500–₹3,000 transactions, capped at ₹100 per statement cycle. |
| Domestic/international lounges and spend conditions | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Forex markup (+ applicable GST) | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Annual interest rate | Not verified; consult the linked issuer MITC and your personal offer. | Not verified; consult the linked issuer MITC and your personal offer. |
| UPI Scan & Pay | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Utility bills & telecom | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Insurance premiums | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Government / NPS / tax payments | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Fuel & rent | Not verified in the maintained record. Check the linked issuer terms. | 1% fuel surcharge waiver on ₹500–₹3,000 transactions, capped at ₹100 per statement cycle. |
| Gold / jewellery | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| School / education | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Official issuer MITC / reward documents | Issuer MITC PDF | Issuer MITC PDF |
Compare eligible spend, reward currency, exclusions and renewal-waiver conditions before choosing.
SimplyCLICK SBI Card: ₹499 + GST (waived on ₹1 lakh eligible annual spend); renewal threshold ₹1,00,000.00. SimplySAVE SBI Card: ₹499 + GST (waived on ₹1 lakh eligible annual spend); renewal threshold ₹1,00,000.00.
SimplyCLICK SBI Card: Not verified in the maintained record. Check the linked issuer terms. SimplySAVE SBI Card: Not verified in the maintained record. Check the linked issuer terms.
The answer depends on eligible merchants, payment app, caps and reward redemption. Use a modelled scenario only where both cards have verified inputs. Unknown categories are not treated as zero rewards.
A secured or no-annual-fee card may be worth checking. These are not guaranteed or statistically high-approval offers. KYC, deposit, income and issuer conditions still apply.
No annual fee
Subject to issuer availability and approval.
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No annual fee; currently offered lifetime-free; confirm acquisition eligibility
Subject to issuer availability and approval.
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