CardHungry

Side-by-side · honest numbers

SBI SimplyCLICK vs SBI SimplySAVE

Honest side-by-side comparison of SBI SimplyCLICK, SBI SimplySAVE — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

SBI SimplyCLICK

SBI Card

SBI SimplySAVE

SBI Card

Your adjusted comparison

Feature
SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

SBI SimplySAVE credit card

SBI SimplySAVE

SBI Card

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹20,000/mo₹18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹911/yr₹2,751/yr
Online shopping₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo—
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery—₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel—₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate10X points10 RP/₹100
Primary reward cap₹10,000 eligible spend/moNo monthly cap published
UPI rewardsEarns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&CsEarns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusionsEMI · Fuel · Rent · WalletEMI · Rent · Wallet
Bonuses
Signup bonus₹500₹2,000

Stack mode (hold both)

Cap-aware split: ~₹3,602/yr combined NAV (₹851 vs best solo). Both annual fees apply.

SBI SimplyCLICK details →SBI SimplySAVE details →

Share this comparison

https://cardhungry.com/in/en/compare/sbi-simplyclick-vs-sbi-simplysave

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplySAVE leads SBI SimplyCLICK by about ₹1,840/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

SBI SimplyCLICK vs SBI SimplySAVE comparison table
FeatureSBI SimplyCLICK

SBI Card

SBI SimplySAVE

SBI Card

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹20,000/mo₹18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹911/yr₹2,751/yr
Online shopping₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo—
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery—₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel—₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate10X points10 RP/₹100
Primary reward cap₹10,000 eligible spend/moNo monthly cap published
UPI rewardsEarns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&CsEarns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusionsEMI · Fuel · Rent · WalletEMI · Rent · Wallet
Bonuses
Signup bonus₹500₹2,000

Frequently asked questions

Which card has the lower annual fee?
SBI SimplyCLICK has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
SBI SimplySAVE leads with an estimated ₹2,751/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI SimplySAVE lists a minimum monthly income of ₹18,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

More SBI SimplyCLICK comparisons