SimplyCLICK SBI Card vs SimplySAVE SBI Card

SimplyCLICK SBI Card vs SimplySAVE SBI Card (Sept 2026): for the standard ₹32k/month profile SimplyCLICK SBI Card wins on score (46/100, ₹6,394 recurring net savings a year) vs SimplySAVE SBI Card 36/100 (₹3,105). Cheapest to hold: SimplyCLICK SBI Card (₹589 incl. GST). Edit the spend on this page to re-score for yours.

Card	‹›⇄× SBI CardSimplyCLICK SBI Card	‹›⇄× SBI CardSimplySAVE SBI Card
Overview
Personal score	46/100 BEST	36/100
Recurring net savings	₹6,394/yr BEST	₹3,105/yr
Effective savings rate	2.0% BEST	1.0%
Annual fee incl. GST	Waived ₹589	Waived ₹589
Usable lounge visits	✈ none you can use 0	✈ none you can use 0
Why it fits	✓ 5X on all other online spends earns you about ₹1,575 a year on…	✓ 10 RP/₹100 on dining, movies, grocery, department stores earns you…
Main drawback	! No usable lounge access although you asked for it.	! No usable lounge access although you asked for it.
How the net figure adds up
+ Reward value on your spend	₹2,434 at ₹0.25/SBI Reward Points	₹2,745 at ₹0.25/SBI Reward Points BEST
+ Milestone bonuses you reach	₹3,600 2 of 2 achieved BEST	none
+ Fuel surcharge waiver	₹360	₹360
+ Lifestyle benefits you asked for	none matched	none matched
+ Renewal bonus (only when the fee is charged)	—	—
− Annual fee incl. 18% GST	₹0 waived at ₹1,00,000 spend	₹0 waived at ₹1,00,000 spend
− Forex markup on international spend	none	none
= Recurring net savings	₹6,394/yr BEST	₹3,105/yr
÷ Card spend counted	₹3,26,640 UPI-only rupees excluded on non-RuPay cards	₹3,26,640 UPI-only rupees excluded on non-RuPay cards
= Effective savings rate	2.0% BEST	1.0%
Rewards on your spend
Groceries & quick-commerce (₹72,000/yr)	₹108 0.1%	₹1,080 1.5% BEST
Dining & food delivery (₹48,000/yr)	₹442 0.9%	₹1,056 2.2% BEST
Online shopping (₹72,000/yr)	₹1,215 1.7% BEST	₹180 0.3%
Fuel (₹36,000/yr)	₹0 0.0%	₹0 0.0%
Cabs & commute (₹18,000/yr)	₹27 0.1%	₹27 0.1%
Bills & utilities (₹30,000/yr)	₹0 0.0%	₹0 0.0%
Flights (₹24,000/yr)	₹300 1.3% BEST	₹60 0.3%
Hotels (₹12,000/yr)	₹150 1.3% BEST	₹30 0.3%
Movies & OTT (₹9,600/yr)	₹120 1.3%	₹240 2.5% BEST
Insurance premiums (₹18,000/yr)	₹0 0.0%	₹0 0.0%
Everything else (₹48,000/yr)	₹72 0.1%	₹72 0.1%
Base earn rate	0.25%	0.25%
Accelerated categories	2 rules 10X on Amazon, BookMyShow, Cleartrip, Apollo 24/7, Lenskart, Netmeds, Yatra – 2.5%, cap ₹2,500/mo 5X on all other online spends – 1.3%	1 rule 10 RP/₹100 on dining, movies, grocery, department stores – 2.5%
Excluded categories	fuel, rent, utilities, insurance, education	fuel, rent, utilities, insurance, education
Caps hit for your spend	None	None
Milestones	✅ ₹2,000 Cleartrip/Yatra voucher at ₹1L ✅ Another ₹2,000 voucher at ₹2L	None
UPI rewards (RuPay)	Not UPI-enabled	Not UPI-enabled
Fees & first year
Joining fee	₹499 + GST	₹499 + GST
Fee waiver	On ₹1,00,000 annual spend	On ₹1,00,000 annual spend
Renewal benefit	None	None
Welcome benefit (first year only)	₹500 Amazon voucher on fee payment ≈ ₹450	2,000 RP on ₹2,000 spend in 60 days ≈ ₹500
First-year value (separate)	₹6,255 BEST	₹3,016
Travel
Domestic lounge entitlement	None	None
International lounge entitlement	None	None
Lounge condition	None	None
Forex markup	3.5%	3.5%
Redemption & simplicity
Reward currency	SBI Reward Points · ₹0.25/unit	SBI Reward Points · ₹0.25/unit
How to redeem	Details 1 RP = ₹0.25 on vouchers and statement credit.	Details 1 RP = ₹0.25.
Redemption flexibility	★★★☆☆	★★★☆☆
Simplicity	★★★☆☆	★★★★☆ BEST
Lifestyle
Benefits you asked for	fuel waiver	fuel waiver
All lifestyle perks	fuel waiver	fuel waiver
Eligibility	Income ₹2L+/yr; easy approval	Income ₹3L+/yr
Score breakdown
Net savings rate	40/100 × 55% = 21.8	19/100 × 55% = 10.6
Usable lounge access	0/100 × 15% = 0.0	0/100 × 15% = 0.0
Redemption flexibility	60/100 × 10% = 6.0	60/100 × 10% = 6.0
Lifestyle fit	100/100 × 10% = 10.0	100/100 × 10% = 10.0
Simplicity	60/100 × 5% = 3.0	80/100 × 5% = 4.0
Fee safety	100/100 × 5% = 5.0	100/100 × 5% = 5.0
Sources
Official source	SBI Card – SimplyCLICK	SBI Card – SimplySAVE SBI Card product page
Last reviewed	2026-09-12	2026-09-12