Table of Contents
Key Takeaways
- SimplySave earns 10 points per ₹150 (1.67%) on offline dining, grocery, movies and departmental stores; SimplyClick earns a higher 10 points per ₹100 (2.5%) but only on 8 named online partner apps.
- SimplyClick's top rate is genuinely higher than SimplySave's - this isn't a like-for-like rate match, despite both being marketed as "10X" cards.
- SimplyClick has slightly easier eligibility (21-70 years, ~₹18,000/month income) than SimplySave (21-65 years, ₹20,000/month income).
- SimplyClick includes milestone vouchers (₹4,000/year at ₹1L and ₹2L spend) that SimplySave doesn't offer.
- SimplySave has a dedicated RuPay-UPI variant built around everyday QR payments; SimplyClick's RuPay variant exists but is less central to how the card is positioned.
The Core Difference: Offline vs Online, at Different Rates
SimplySave and SimplyClick are SBI's two entry-level rewards cards, and they're built to complement each other - one rewards offline spending, the other rewards online spending. But it's a common assumption that both earn the same "10X" rate just in different categories - they don't. SimplySave earns 10 Reward Points per ₹150 spent on dining, grocery, movies and departmental stores, which works out to a 1.67% effective return. SimplyClick earns 10 Reward Points per ₹100 on its eight online partners - Apollo 24×7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, Swiggy and Yatra - a 2.5% effective return.
Both cards market their top tier as "10X," but the actual cash value differs because the spend denominator is different (₹150 vs ₹100). SimplyClick's top rate is genuinely stronger in percentage terms - worth knowing if you were assuming the two cards earn identically and just differ by category.
Side-by-Side
| SBI SimplySave | SBI SimplyClick | |
|---|---|---|
| Top rate | 10 RP/₹150 (1.67%) on dining, grocery, movies, departmental stores | 10 RP/₹100 (2.5%) - only on 8 named online partners |
| Other spend | 1 RP/₹150 (0.167%) on everything else | 5 RP/₹100 (1.25%) on other online; 1 RP/₹100 (0.25%) offline |
| Monthly cap on top rate | None published | 10,000 RP combined (partner + other online) |
| Annual fee | ₹499, no Year 1 waiver | ₹499, no Year 1 waiver |
| Fee waiver threshold | ₹1 lakh annual spend | ₹1 lakh annual spend |
| Welcome benefit | 2,000 RP (₹500) on ₹2,000 spend in 60 days; Visa variant may add up to ₹750 voucher | Flat ₹500 Amazon voucher on fee payment |
| Milestone vouchers | None | ₹2,000 Cleartrip/Yatra voucher at ₹1L + ₹2,000 more at ₹2L = ₹4,000/year |
| Redemption | ₹0.25/RP, ₹99 fee per request, 24-month expiry | ₹0.25/RP (4 RP=₹1), 24-month expiry |
| Eligibility | 21-65 years, ₹20,000/month income | 21-70 years, ~₹18,000/month income |
| RuPay / UPI | Dedicated RuPay-UPI variant, positioned around everyday QR payments | RuPay variant available, less central to positioning |
| Lounge access | None | None (standard) |
A Worked Example
Take a cardholder spending ₹8,000/month on dining and groceries, and ₹6,000/month on Swiggy and Myntra combined. On SimplySave, the ₹8,000 offline spend earns 10 RP/₹150 (1.67%) = ₹133/month, while the ₹6,000 online spend earns only the base rate (0.167%) = ₹10/month - a total of roughly ₹143/month, or ₹1,716/year.
On SimplyClick, the same ₹6,000 Swiggy/Myntra spend earns the 10X rate (2.5%) = ₹150/month, while the ₹8,000 dining/grocery spend - outside SimplyClick's partner categories - earns only the base offline rate (0.25%) = ₹20/month. That's roughly ₹170/month, or ₹2,040/year - higher than SimplySave for this specific spend mix, even before SimplyClick's milestone vouchers are added.
Add SimplyClick's milestone vouchers - up to ₹4,000/year if total annual spend crosses ₹2 lakh - and SimplyClick pulls further ahead for this particular spend pattern. This is the actual exercise worth doing with your own numbers: SimplySave's lower per-rupee rate (1.67% vs 2.5%) means it needs meaningfully more offline spend concentrated in its categories to match SimplyClick's online-partner earning, even though SimplySave has no monthly cap to worry about.
Who Should Pick SimplySave
- Most of your spending happens offline - dining out, grocery runs, movies, in-store shopping - and there's no monthly cap to worry about hitting.
- You want a straightforward category-based card without needing a specific list of online apps to remember.
- You're interested in the RuPay-UPI variant specifically for linking to UPI apps for everyday QR payments at local shops.
Who Should Pick SimplyClick
- Your online spending is genuinely concentrated on Swiggy, Myntra, BookMyShow, Cleartrip, Yatra, Domino's, Netmeds or Apollo 24×7.
- You want the higher per-rupee rate (2.5% vs 1.67%) and don't mind tracking a monthly points cap.
- You want the extra milestone vouchers on top of the base earning rate.
- You're slightly outside SimplySave's eligibility window (over 65, or income between ₹18,000-20,000/month) - SimplyClick's bar is a touch more accessible.
Can You Hold Both?
Yes, and it's a sensible pairing given how these two cards divide by spend type - SimplySave for offline dining, grocery and movies, SimplyClick for the eight online partner apps. Since both share the same ₹499 fee and ₹1 lakh waiver threshold, running both isn't a large additional commitment, and between them they cover the spend categories most Indian cardholders use most often.
