SBI SimplySAVE Credit Card vs SBI SimplySAVE Advantage Credit Card

Highlights

  • Compare the SimplySAVE SBI Card and SimplySAVE Advantage SBI Card.
  • Check the Features and Benefits of both the cards and the difference between them.
  • Know the difference between the Fees, Charges, and Eligibility Criteria of these cards.

Credit Cards are always the lender of the last resort when an individual faces a financial emergency. There are different banks that provide credit cards having great deals and exclusive offers. Some people prefer SBI Credit Cards but there are a lot of variants of the SBI card so it becomes confusing for the individuals to choose a card. Therefore you must see the difference between SBI SimplySAVE Credit Card vs SBI SimplySAVE Advantage Credit Card because they are one of the most demanded SBI Credit Cards. Some features and benefits of these cards differ from each other but the rest remains the same. Let’s compare both of these SBI credit cards.

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    Comparison of SBI SimplySAVE and SBI SimplySAVE Advantage Credit Card

    Basis of DifferenceSBI SimplySAVE Credit CardSBI SimplySAVE Advantage Credit Card
    Welcome Offer- Do a transaction of ₹2000 and above within 60 days of the card issuance and earn 2000 reward points.
    - Get a Cashback of ₹100 on your first ATM Withdrawal within 30 days from the date of card issuance.
    There are no welcome offers available on this credit card.
    Reward Points- Earn 10 Reward Points on Every ₹100 spend on Movies, Dining, Departmental Stores, and Grocery.
    - Earn 1 Reward Point on every ₹100 spend on other categories.
    - Enjoy 10 Reward Points on Every ₹100 spend on Dining, Departmental Stores, movies, and Grocery.
    - Earn 1 Reward Point on every ₹100 spend on other categories.
    Dining OffersOn the Expenditure of Every ₹100 on dining, you will earn 10 Reward PointsEarn 10 Reward Points on dining on every transaction of ₹100.
    Fuel Surcharge WaiverGet a Fuel Surcharge Waiver of 1% between the transaction range of ₹500 to ₹3000.Get a Fuel Surcharge Waiver of 1% with a maximum of ₹100 every month.

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    Comparison of Fees and Other Charges of these Cards

    Fees and ChargesSBI SimplySAVE Credit CardSBI SimplySAVE Advantage Credit Card
    Joining Fees₹499 (one-time)₹499 (one-time)
    Renewal Fees₹499 (per annum)₹499 (per annum)
    Waiving Off CriteriaSpend ₹1 Lac and above to waive off the renewal feesWaive off the Renewal Fee by Spending ₹1 Lac in a year
    Add-on Card FeesNILNIL
    Finance Charges3.35% per month2.5% per month
    Cash Advance Fees2.5% of the Amount with a minimum of ₹5002.5% 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.
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    Eligibility Criteria for both the Credit Cards

    CriteriaSBI SimplySAVE Credit CardSBI SimplySAVE Advantage Credit Card
    Minimum Age of the Applicant21 Years18 Years
    Maximum Age of the Applicant70 Years65 Years
    Cibil Score of the Applicant750 and Above750 and Above
    Citizenship Status of the ApplicantMust be a Citizen of IndiaMust be a Citizen of India

    Conclusion

    You have seen all the major differences between SBI SimplySAVE Credit Card vs SBI SimplySAVE Advantage Credit Card and now you can apply for any card. On the other hand, the features of these cards are almost the same and the only difference is the welcome offer. You will also have to pay the same annual fees and renewal fees for these cards. So the ball is in your court and you can decide the best card for yourself.

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