SimplyCLICK SBI Card vs Amazon Pay ICICI Bank
Amazon Pay ICICI Bank by ₹5,500 a year at ₹75,000 a month
SimplySAVE SBI Card vs SimplyCLICK SBI Card
SBI Card
SBI Card
SimplyCLICK SBI Card vs SimplySAVE SBI Card: which should you pick?
SBI's two ₹499 entry cards: the same fee, waived at the same ₹1,00,000 of spend, and the same SBI Reward Points at four to the rupee. SimplySAVE pays 10X on dining, movies, departmental stores and grocery, 1.67%, and 0.17% on everything else; SimplyCLICK pays 10X at eleven partners including Cleartrip, Yatra, Myntra and Swiggy and 5X on other online spend up to 10,000 points a month, so 2.5% and 1.25%, and 0.25% offline. SimplyCLICK out-earns SimplySAVE at every spend level the page tests, so SAVE's case is a basket bought in the shop rather than online. Neither opens a lounge.
SimplySAVE SBI Card and SimplyCLICK SBI Card both earn SBI Reward Points, so the transfer partners are the same; what separates them is how fast each earns and what each costs. SimplyCLICK SBI Card is the better card at every spend we test, and its lead over SimplySAVE SBI Card grows as you spend more: ₹200 a year at ₹25,000 a month, ₹4,700 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: SimplyCLICK SBI Card returns ₹2,100 a year in rewards to SimplySAVE SBI Card's ₹1,400. We found nothing SimplySAVE SBI Card does clearly better than SimplyCLICK SBI Card on the rows below.
SimplyCLICK SBI Card pays 2 annual spend milestones, the first at ₹1,00,000 a year, and SimplySAVE SBI Card pays none.
Side by side
| Fact | SimplySAVE SBI Card | SimplyCLICK SBI Card |
|---|---|---|
| Can you get it | Open to apply | Open to apply |
| Fee (joining · annual, + GST) | ₹499/yr | ₹499/yr |
| Fee waiver | Spend ₹1,00,000 a year | Spend ₹1,00,000 a year |
| Reward rate on everyday spend | 0.2% | 0.3%✓ Better |
| Points | SBI Reward Points | SBI Reward Points |
| Our value per point | ₹0.25 † | ₹0.25 † |
| Transfer partners | None | None |
| Lounges it gets you into | 0 of 792 | 0 of 792 |
| Forex markup | 3.5% + GST | 3.5% + GST |
| Welcome benefit | 2,000 bonus Reward Points worth ₹500 for spending ₹2,000 within 60 days of getting the card | An Amazon.in e-gift card worth ₹500 on payment of the ₹499 annual fee — the fee back, in Amazon credit |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. SimplyCLICK SBI Card is ahead on 6 of the 7 rows we can call.
More facts 6 rows
| Fact | SimplySAVE SBI Card | SimplyCLICK SBI Card |
|---|---|---|
| Our rank | #201✓ Better | #267 |
| Our verdict | Keep | Keep |
| Lounge visits in India | None — the card is on neither Set A nor Set B of SBI's eligible-card lists | None — no complimentary lounge access |
| Lounge visits abroad | None published | None |
| Forex, in the bank’s words | 3.5% + GST — SimplySAVE is in none of SBI's concession tiers (AURUM, Elite, Prime NRI Secured, Tata Neu Infinity and the MILES range); dynamic currency conversion is also 3.5% on transactions of ₹1,000 or more | 3.5% + GST — SBI's schedule of charges exempts only AURUM, ELITE, Prime NRI Secured, Tata Neu Infinity and the three MILES tiers |
| Interest (APR) | up to 3.75%/mo (45%/yr) | up to 3.75%/mo (45%/yr) — the SBI MITC's rate for every unsecured card |
† SimplySAVE SBI Card: SBI Reward Points are four to the rupee against the rewards catalogue — ₹0.25 a point, floor and ceiling. They reach no airline, no hotel and no transfer partner, and they expire 24 months from the date they accrue. On this card they can also be used to pay down the card's own outstanding, which is the same ₹0.25 by another route.
† SimplyCLICK SBI Card: SBI Reward Points are 4 to the rupee against the rewards catalogue — ₹0.25 a point, and that is both the floor and the ceiling. They reach no airline, no hotel and no transfer partner of any kind, so the travel value on this card lives entirely in the Cleartrip and Yatra earn and the Cleartrip and Yatra vouchers, not in the currency. Points expire 24 months from accrual, and after a voluntary card closure you get 30 days to redeem before the balance lapses — close the card any other way and it is forfeited outright.
Neither issuer publishes an income floor for these two, and the door is the same on both sides: SimplySAVE SBI Card and SimplyCLICK SBI Card are both open to a direct application. How people actually get each one is on its card page.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | SimplySAVE SBI Card | SimplyCLICK SBI Card |
|---|---|---|
| At ₹30,000 a month | ₹600 | ₹800✓ Better |
| At ₹75,000 a month | ₹1,400 | ₹2,100✓ Better |
| At ₹1.5 lakh a month | ₹2,800 | ₹4,200✓ Better |
| At ₹3 lakh a month | ₹5,700 | ₹8,500✓ Better |
| At ₹5 lakh a month | ₹9,400 | ₹14,100✓ Better |
| Pays for itself from | ₹9,000 a month, by waiving its fee | ₹9,000 a month, by waiving its fee |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | SimplySAVE SBI Card | SimplyCLICK SBI Card | Ahead |
|---|---|---|---|
| ₹25,000 | ₹500 | ₹700✓ Better | SimplyCLICK SBI Card by ₹200 |
| ₹50,000 | ₹900 | ₹1,400✓ Better | SimplyCLICK SBI Card by ₹500 |
| ₹75,000 | ₹1,400 | ₹2,100✓ Better | SimplyCLICK SBI Card by ₹700 |
| ₹1 lakh | ₹1,900 | ₹2,800✓ Better | SimplyCLICK SBI Card by ₹900 |
| ₹1.25 lakh | ₹2,400 | ₹3,500✓ Better | SimplyCLICK SBI Card by ₹1,100 |
| ₹1.5 lakh | ₹2,800 | ₹4,200✓ Better | SimplyCLICK SBI Card by ₹1,400 |
| ₹1.75 lakh | ₹3,300 | ₹4,900✓ Better | SimplyCLICK SBI Card by ₹1,600 |
| ₹2 lakh | ₹3,800 | ₹5,600✓ Better | SimplyCLICK SBI Card by ₹1,800 |
| ₹2.25 lakh | ₹4,300 | ₹6,300✓ Better | SimplyCLICK SBI Card by ₹2,000 |
| ₹2.5 lakh | ₹4,700 | ₹7,100✓ Better | SimplyCLICK SBI Card by ₹2,400 |
| ₹2.75 lakh | ₹5,200 | ₹7,800✓ Better | SimplyCLICK SBI Card by ₹2,600 |
| ₹3 lakh | ₹5,700 | ₹8,500✓ Better | SimplyCLICK SBI Card by ₹2,800 |
| ₹3.25 lakh | ₹6,100 | ₹9,200✓ Better | SimplyCLICK SBI Card by ₹3,100 |
| ₹3.5 lakh | ₹6,600 | ₹9,900✓ Better | SimplyCLICK SBI Card by ₹3,300 |
| ₹3.75 lakh | ₹7,100 | ₹10,600✓ Better | SimplyCLICK SBI Card by ₹3,500 |
| ₹4 lakh | ₹7,600 | ₹11,300✓ Better | SimplyCLICK SBI Card by ₹3,700 |
| ₹4.25 lakh | ₹8,000 | ₹12,000✓ Better | SimplyCLICK SBI Card by ₹4,000 |
| ₹4.5 lakh | ₹8,500 | ₹12,700✓ Better | SimplyCLICK SBI Card by ₹4,200 |
| ₹4.75 lakh | ₹9,000 | ₹13,400✓ Better | SimplyCLICK SBI Card by ₹4,400 |
| ₹5 lakh | ₹9,400 | ₹14,100✓ Better | SimplyCLICK SBI Card by ₹4,700 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 0 shared
Both cards earn SBI Reward Points, so they move points to the same 0 partners .
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
SimplySAVE SBI Card
- The 10X caps at 5,000 Reward Points a calendar month — roughly ₹75,000 of accelerated spend, then it reverts to 1 RP per ₹150
- 0.17% on everything outside the four promoted categories: one Reward Point per ₹150, at 25 paise a point
- No lounge access of any kind, domestic or international, and 3.5% forex
SimplyCLICK SBI Card
- 0.25% on everything offline — one Reward Point per ₹100 at four points to the rupee
- No lounge access of any kind, domestic or international, and 3.5% forex
- SBI Reward Points reach no airline and no hotel programme — ₹0.25 in the catalogue is the floor and the ceiling
Common questions 5 answered
Which is better, SimplySAVE SBI Card or SimplyCLICK SBI Card?
SimplySAVE SBI Card and SimplyCLICK SBI Card both earn SBI Reward Points, so the transfer partners are the same; what separates them is how fast each earns and what each costs. SimplyCLICK SBI Card is the better card at every spend we test, and its lead over SimplySAVE SBI Card grows as you spend more: ₹200 a year at ₹25,000 a month, ₹4,700 at ₹5 lakh. At ₹75,000 a month the gap is mostly what each card earns on your spend: SimplyCLICK SBI Card returns ₹2,100 a year in rewards to SimplySAVE SBI Card's ₹1,400. We found nothing SimplySAVE SBI Card does clearly better than SimplyCLICK SBI Card on the rows below.
SimplySAVE SBI Card or SimplyCLICK SBI Card: which is worth more at ₹3 lakh a month?
SimplyCLICK SBI Card beats SimplySAVE SBI Card by ₹2,800 a year at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, SimplySAVE SBI Card or SimplyCLICK SBI Card?
They cost the same: ₹499/yr. SimplySAVE SBI Card waives its fee if you spend ₹1,00,000 a year; SimplyCLICK SBI Card waives its fee if you spend ₹1,00,000 a year.
Which gets you into more airport lounges, SimplySAVE SBI Card or SimplyCLICK SBI Card?
Both get you into 0 of the 792 lounges we track.
How current is this comparison?
Both cards were last checked against their banks' own documents on 3 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
Related comparisons
SimplyCLICK SBI Card vs HDFC Bank Millennia
HDFC Bank Millennia by ₹10,400 a year at ₹75,000 a month
ICICI Bank Coral vs SimplySAVE SBI Card
ICICI Bank Coral by ₹4,600 a year at ₹75,000 a month
More on these two cards 3 pages
Sources
Both cards were last checked against their banks' own documents on 3 Oct 2026. Every fact above comes from these 14 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 14 sources
- Official The card's own Terms & Conditions — the Visa/Mastercard/RuPay network line, the 5,000-point monthly cap on the 10X, the four promoted MCCs, the fuel exclusion and the 24-month point expiry read
- Official Product page — 10X on dining, movies, departmental stores and grocery, 1 RP per ₹150 elsewhere, 4 Reward Points = ₹1, and the ₹499 fee reversed at ₹1 lakh of annual spend read
- Official KVB SimplySAVE SBI Card — one of seven partner-bank editions carrying an identical fee, waiver, earn rate and monthly cap read
- Official SBI's MITC — SimplySAVE SBI Card ₹499 annual and ₹499 renewal, waived on ₹1 lakh of spend in the preceding year, and the separate fee row for the UPI edition read
- Official Key Fact Statement — SimplySAVE ₹499 joining and ₹499 renewal, and the separate fee row for the Advantage edition read
- Official Allahabad Bank SimplySAVE SBI Card product page (archived 19-Aug-2019) — ₹499 joining and renewal, the same 10X tap and ₹1 lakh fee reversal as this card read
- Official Oriental Bank of Commerce SBI Card — ₹499, the 10X departmental-and-grocery tap and the ₹75,000 fee reversal this card carried in 2016 read
- Official Lakshmi Vilas Bank SBI SimplySAVE Credit Card (archived 15-Apr-2016) — ₹499 and the same 2.5% departmental-store and grocery value back read
- Official BMB Gold & More Credit Card (archived 15-Apr-2016) — ₹499 joining and annual, ₹75,000 reversal and this card's earn, under a name SBI had retired read
- Official SBI Bank of Maharashtra Card on SBI's pre-migration host (archived 05-Aug-2012) — ₹499 joining and annual, the ₹75,000 reversal and this card's 2.5% departmental-store and grocery value back read
- Official SBI Card's Airport Lounge Access page (the Set A and Set B card lists) — the programme document this card's lounge entitlement is read against read
- Official SBI's Reward Point terms for this card — the 5X cap at 10,000 points a month, the affiliate- channel carve-out on Cleartrip and Yatra, and the rent, government and gaming exclusions read
- Official SBI's own product record — the eleven 10X partners including Cleartrip and Yatra, the ₹2,000 Cleartrip/Yatra vouchers at ₹1 lakh and ₹2 lakh of online spend, and isOnline "yes" read
- Official The card's own Terms & Conditions — the exclusion list, the 24-month point expiry and the 30-day window to redeem after closing the card read