Check below for a comparison between SBI Unnati credit card vs SBI SimplySave credit card or SBI SimplySave credit card vs SBI Unnati credit card and find which is better –
Choosing the right credit card is a pivotal decision in managing your finances, and in the realm of SBI cards, the SBI Unnati Credit Card and the SBI SimplySave Credit Card emerge as compelling options.
Both cards offer unique advantages tailored to diverse spending habits and financial goals.
The SBI Unnati Credit Card is renowned for its accessibility, providing a gateway to credit for those new to the banking system while featuring cashback rewards on essential categories.
Meanwhile, the SBI SimplySave Credit Card caters to individuals looking to optimize everyday expenses, with attractive cashback offers on groceries, dining, and more.
In this detailed comparison, we’ll dissect the distinctive features of each card, empowering you to make an informed choice based on your specific needs.
Whether you’re a newcomer building credit or a savvy spender focused on savings, understanding the nuances of these SBI credit cards will guide you towards the one that aligns seamlessly with your financial objectives.
Table of Contents
Overview of SBI Unnati credit card
Get 1 reward point on a spend of Rs. 100, and get Rs. 500 cashback on a total spent of Rs. 50,000 in a year by using this card
Overview of SBI SimplySave credit card
Accumulate 1 Reward Point on each Rs. 100 spent, featuring a commendable Reward Rate of 0.25%.
Leverage the card’s benefits with 10 times more reward points for Dining, movies, departmental stores, and grocery expenses, among other eligible categories.
Step into the credit world with a generous welcome of 2000 bonus reward points.
This card sets itself apart by offering extra reward points for grocery, movies, and departmental store spending, catering to newcomers in the credit arena seeking to manage costs on their daily essentials.
Also, enjoy an annual fee waiver with Rs. 1 lakh or more in spending.
SBI Unnati credit card vs SBI SimplySave credit card
| Features/Charges | SBI Unnati credit card | SBI SimplySave Credit Card |
|---|---|---|
| Joining Fees | NIL | Rs. 499 + taxes |
| Annual Fees | Rs. 499 + taxes (free for first 4 years) | Rs. 499 + taxes |
| Welcome Benefits | NIL* | Secure 2000 reward points (Rs. 500 in value) by spending Rs. 2000 or more within the initial 60 days with this card. |
| Cashback / Rewards point | Get 2000 Rewards points (Rs.500) on spent of Rs.2000 or more in the first 60 days on this card* | Accumulate 1 Reward Point on each Rs. 150 spent, featuring a commendable Reward Rate of 0.25%. Leverage the card’s benefits with 10 times more reward points for Dining, movies, departmental stores, and grocery expenses, among other eligible categories. |
| Dining benefits | N/A | Take advantage of a tenfold increase in reward points when you dine, courtesy of this card. |
| Travel benefits | N/A | N/A |
| Annual fees waiver | N/A | Spend over Rs. 1,00,000 annually on this card, and the annual fee is nullified. |
| Fuel surcharge waiver | Get a fuel surcharge waiver of 1% with this card at all fuel stations in India on this card * | Enjoy a 1% fuel surcharge exemption on this card for all fuel station purchases in India. |
When contemplating the selection of your ideal credit card, it’s crucial to assess your spending patterns, lifestyle preferences, and financial goals. Consider factors such as rewards programs, annual fees, interest rates, and supplementary perks like travel benefits or cashback offers. Additionally, evaluating the card issuer’s reputation and customer service can enhance your overall credit card experience. By aligning the features of the credit card with your unique needs, you can ensure that your choice not only suits your current circumstances but also contributes positively to your long-term financial well-being.
