SBI SimplySave vs SBI SimplyClick Credit Cards: Kaunsa Hai Aapke Liye Sahi?

SBI ne laya hai do alag-alag credit cards – SBI SimplySave aur SBI SimplyClick. Har ek card ki khaasiyat hai, jo aapke kharche aur pasand ke mutabiq hai. Chaliye, dono cards ka detailed comparison karte hain, taaki aap samajh sakein ki aapke liye kaunsa behtar hai.

SBI SimplySave vs SBI SimplyClick Credit Card:

Fees:

SBI SimplySave:

  • Joining Fee: Rs.499 + Taxes
  • Renewal Fee: Saal bhar ke kharch par yeh fee maaf hai, agar woh Rs.1 lakh se zyada hai.

SBI SimplyClick:

  • Joining Fee: Rs.499 + Taxes
  • Renewal Fee: Saal bhar ke kharch par yeh fee maaf hai, agar woh Rs.1 lakh se zyada hai.

Dono cards ki fees ek jaisi hai, jo ki kaafi reasonable hai. Saal bhar ke kharch par renewal fee maaf hona ek achha feature hai.

Welcome Benefits:

SBI SimplySave:

  • 2000 Bonus Reward Points on Rs.2000 kharch within 60 days.

SBI SimplyClick:

  • Joining fee par Rs.500 ka Amazon voucher.

Dono cards me welcome benefits hain, lekin inka istemal alag-alag tareeko mein hota hai. SimplySave early usage ko reward karta hai, jabki SimplyClick ek Amazon voucher ke saath instant laabh deta hai.

Non-Spend Benefits:

Dono cards, jo ki entry-level hain, kisi bhi extra benefit jaise ki lounge visits ya movie tickets nahi dete.

Spend-based Benefits:

SBI SimplySave:

  • Har Rs.150 kharch par 1 Reward Point.
  • Accelerated Reward Points: Dining, Movies, Departmental Stores, aur grocery spends par 10x reward points.

SBI SimplyClick:

  • Har Rs.100 kharch par 1 Reward Point.
  • Accelerated Reward Points:
  • 5x online spending (kuch selected partner merchants ke alawa).
  • 10x online spending with selected partners.

Yeh dono cards kharche par alag-alag dhyan dete hain. SimplySave kuch specific categories par focus karta hai, jabki SimplyClick online spending par zyada dhyan deta hai.

Utility and Milestone Benefits:

SBI SimplySave:

  • Utility bills aur rent payments par base rewards milte hain (Har Rs.100 kharch par 1 Reward Point).
  • 5x categories mein calendar month mein maximum 10,000 reward points tak ka cap hota hai.
  • Milestone benefits mein Rs.1 lakh aur Rs.2 lakh ke annual online spends par milta hai Rs.2000 ka Cleartrip/Yatra voucher.

SBI SimplyClick:

  • Utility bills aur rent payments par bhi base rewards milte hain (Har Rs.100 kharch par 1 Reward Point).
  • 5x categories mein calendar month mein maximum 10,000 reward points tak ka cap hota hai.
  • Milestone benefits mein Rs.1 lakh aur Rs.2 lakh ke annual online spends par milta hai Rs.2000 ka Cleartrip/Yatra voucher.

Dono cards utility aur milestone benefits mein ek jaisa laabh dete hain, jo regular payments aur online spending par extra rewards deta hai.

Reward Points Redemption:

Dono Cards:

  • 1 Reward Point = 25 Paisa.
  • Redemption options mein product catalogue, brand vouchers, aur statement credit shamil hain.

Reward points ko istemal karne mein dono cards mein ek hi tarah ka asaan option hai, jo users ko apne points ko alag-alag categories mein istemal karne mein flexibility deta hai.

Conclusion:

Ant mein, SBI SimplySave aur SBI SimplyClick mein se kaunsa card behtar hai, yeh aapke vyaktigat kharche aur pasand ke upar depend karta hai. SimplySave woh logon ke liye hai jo kuch specific categories mein zyada kharch karte hain, jabki SimplyClick avid online shoppers ke liye perfect hai. Apne lifestyle aur spending patterns ko dhyan mein rakhkar decide karein ki kaunsa card aapke financial goals ke saath behtar match karta hai. Dono cards valuable benefits dete hain, jo aapke wallet mein ek achha addition ban sakte hain.

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