Check below for a comparison between SBI CashBack credit card vs SBI SimplySAVE Credit Card or SBI SimplySAVE Credit Card vs SBI CashBack credit card and find which is better –

In the realm of SBI credit cards, the SBI CashBack Credit Card and SBI SimplySAVE Credit Card stand out as compelling options, each offering distinctive advantages.

While the SBI CashBack Credit Card focuses on providing cashback benefits across various spending categories, the SBI SimplySAVE Credit Card is tailored for those seeking rewards on everyday expenses.

This comparison explores the nuances of cashback programs, rewards, fees, and additional perks, empowering you to make an informed decision that aligns seamlessly with your spending habits and financial goals.

Read on to discover the unique benefits each card brings to the table and choose the one that suits your lifestyle.

Overview of SBI CashBack credit card

SBI’s recent introduction, the ‘Cashback SBI Credit Card,’ is designed to bestow cashback privileges upon its customers.

Notably advantageous for online purchases, this credit card asserts itself as a premier choice, ensuring maximum value-back for individuals passionate about shopping.

Praised for its simplicity, this card eliminates the need to keep tabs on reward points or grapple with their redemption process.

Although there’s an annual fee of Rs. 999, surpassing Rs. 2 Lakhs in expenditures from the previous year can be waived it.

With this card, users can earn a substantial 5% cash back on all online and offline transactions, automatically credited to the cardholder’s account. Extra features, including a fuel surcharge waiver, enhance its overall appeal.

Overview of SBI SimplySAVE Credit Card

Acquire 1 Reward Point for every Rs. 100 spent, featuring a beneficial Reward Rate of 0.25%.

Take advantage of amplified rewards with 10 times more points for Dining, movies, departmental stores, and grocery purchases by using this card.

Begin your credit journey with a warm welcome of 2000 bonus reward points.

The card distinguishes itself with boosted reward points for grocery, movies, and departmental store transactions—perfect for newcomers in the credit domain looking to manage costs on their everyday essentials.

Additionally, receive an annual fee waiver upon spending Rs. 1 lakh or more.

SBI CashBack credit card vs SBI SimplySAVE Credit Card

Features/Charges	SBI Cashback Credit card	SBI SimplySave Credit Card
Joining Fees	NIL	Rs. 499 + Taxes
Annual Fees	Rs. 999 + Taxes	Rs. 499 + Taxes
Welcome Benefits	N/A	Receive 2000 reward points (Rs. 500 value) when you spend Rs. 2000 or more within the first 60 days of using this card.
Cashback / Rewards point	By utilizing this card, you can avail yourself of a 5% cashback on every online transaction and a 1% cashback on other offline transactions and utility bill payments.	Acquire 1 Reward Point for every Rs. 150 spent, featuring a beneficial Reward Rate of 0.25%. Take advantage of amplified rewards with 10 times more points for Dining, movies, departmental stores, and grocery purchases by using this card.
Dining benefits	N/A	Access a reward multiplier of ten times for dining expenses when you use this card.
Travel benefits	This card offers the perk of four complimentary visits to domestic airport lounges each year.	N/A
Annual fees waiver	Attain an exemption from the annual fee by reaching 2 Lakh in expenditures with this card.	When your annual spending reaches Rs. 1,00,000 or more on this card, the annual fee is waived off.
Fuel surcharge waiver	By utilizing this card, obtain a 1% fuel surcharge waiver for transactions ranging from Rs. 500 to Rs. 3,000 at petrol pumps throughout the country.	Benefit from a 1% exemption on fuel surcharge when using this card at fuel stations throughout India.