SBI SimplyCLICK Credit Card vs SBI SimplyCLICK Advantage Credit Card
Last Updated : Jan. 7, 2021, 3:54 p.m.
SBI Credit Cards are usually available at affordable annual and renewal fees and therefore many individuals prefer them. On the other hand, they have a certain milestone that waives off the annual fees and reverses the joining fees. But when it comes to choosing only one SBI Credit Card then it becomes difficult for an individual to make a final choice. So, in this article, you can clear out your confusion by exploring the difference between SBI SimplyCLICK Credit Card vs SBI SimplyCLICK Advantage Credit Card because many people apply for these cards. There is a very minor difference between these cards otherwise they are almost the same.
Comparison of SimplyCLICK SBI Card and SimplyCLICK Advantage SBI Card
| Basis of Difference | SBI Simply Click Credit Card | SBI Simply Click Advantage Credit Card |
|---|---|---|
| Welcome Offer | Get an Amazon Gift E-Voucher of ₹500 as a welcome bonus at the time of joining. | Once you join this credit card, you will get a welcome bonus of an E-Voucher of Amazon worth ₹500. |
| Cashback Offer and Reward Points | - Get 10X Reward Points on the transactions made on Amazon, BookMyShow, Lenskart, and Cleartrip. - Earn 5X reward points on every other online spend through this credit card. - Get an e-voucher of ₹2000 on spending ₹1 lac in a year. - Earn an additional e-voucher of ₹2000 on reaching the expenditure limit of ₹2 Lacs in a year. | - Multiply your reward points 10 times by spending on Cleartrip, Netmeds, Lenskart, Amazon, and BookMyShow. - Get 5X Reward Points on all the other transactions made online. - Earn 1 Reward Point on every ₹100 on all the other spends. - Achieve the milestone of ₹1 Lac in a year and get an E-Voucher of ₹2000. - Get an Additional E-Voucher of ₹2000 on achieving the milestone of ₹2 Lacs. |
| Dining Offers | Multiply your reward points 10 times on Food Panda through the SBI Simply Click Credit Card. | There are no Dining Offers on this Credit Card. |
| Fuel Surcharge Waiver | Get a Fuel Surcharge Waiver of 1% between the transaction range of ₹300 to ₹4000. | Get a Fuel Surcharge Waiver of 1% with a maximum of ₹100 every month. |
Comparison of Fees and Other Charges of these Cards
| Fees and Charges | SBI Simply Click Credit Card | SBI Simply Click Advantage Credit Card |
|---|---|---|
| Joining Fees | ₹499 (one-time) | ₹499 (one-time) |
| Renewal Fees | ₹499 (per annum) | ₹499 (per annum) |
| Waiving Off Criteria | Spend ₹1 Lac and above and the renewal fees will be reversed | Reverse the Renewal Fee by Spending ₹1 Lac in a year |
| Add-on Card Fees | NIL | NIL |
| Finance Charges | 3.35% per month | 2.5% per month |
| Cash Advance Fees | 2.5% of the Amount with a minimum of ₹500 | 2.5% of the Amount with a minimum of ₹500 |
| Late Payment Charges | - NIL for the amount of up to ₹500. - ₹400 for the amount between ₹500 to ₹1000. - ₹750 for the amount between ₹1001 to ₹10000. - ₹950 for the amount between ₹10001 to ₹25000. - ₹1100 for the amount between ₹25001 to ₹50000. - ₹1300 for the amount of above ₹50000. | - NIL for the amount of up to ₹500. - ₹400 for the amount between ₹500 to ₹1000. - ₹750 for the amount between ₹1001 to ₹10000. - ₹950 for the amount above ₹10000. |
Eligibility Criteria for both the Credit Cards
| Criteria | SBI Simply Click Credit Card | SBI Simply Click Advantage Credit Card |
|---|---|---|
| Minimum Age of the Applicant | 21 Years | 18 Years |
| Maximum Age of the Applicant | 70 Years | 65 Years |
| Cibil Score of the Applicant | 750 and Above | 750 and Above |
| Citizenship Status of the Applicant | Must be a Citizen of India | Must be a Citizen of India |
Conclusion
You have seen the comparison of SBI SimplyCLICK Credit Card vs SBI SimplyCLICK Advantage Credit Card and the benefits of these cards are almost the same. On the other hand, there are some differences in the finance charges and the dining offers. So, before you should apply for any credit card , make sure that you compare all the features, offers, and benefits of these cards. Check their annual and renewal fees before you apply for any card.