Which SBI Credit Card is Best for Beginners? A complete guide

If you also want to get a credit card of SBI Bank and you are not able to choose which SBI Credit Card is best for you, then this article will help you a lot. Because in this article we are going to tell you about Which SBI Credit Card is best for beginners in detail.

As we all know that SBI (State Bank of India) is one of the largest and oldest bank in India, it is the desire of every customer to join the services of SBI and take advantage of their offers.

Let us know that if you are a beginner and you also want to take or apply for SBI’s credit card, then which credit card is beneficial for you, and which credit card you will be able to use properly.

In India, SBI Bank issues more than 65 types of Credit Cards, all of which have different features and offers. Before taking any bank’s credit card, you must know about the Pros and Cons of Credit Card because misuse of credit card can push you into the debt trap. Always keep in mind that a credit card is a liability, not an asset.

Which SBI Credit Card is Best for Beginners, this question is not very useful, nor is there an exact answer to this question, because it all depends on how much your usage is in the month and how much knowledge you have about the Credit Card. .

Now let us know about some of the main features of both these Credit Cards and their Fee/Charges, due to which both these cards are popular –

Simply Save SBI Credit Card

Main Features:

1. If you spend 2000 or more rupees within 60 days after taking this credit card, then you are given 2000 Bonus Rewards Points. You can use these Rewards Points for paying your credit card bill.
2. Simple Save Credit Card best for offline spends like Dining, Movies Tickets, Fuel Surcharges Waiver, Departmental Stores and Groceries spends.
3. In this, you are given 10 Rewards Points for every Rs. 150 spent on Dining, Movies Tickets, Departmental Stores and Groceries spends and apart from this you are given 1 Reward Point for every Rs. 150 spent. (1 Reward Point – 25 Paisa, 4 Reward Points – Rs. 1)
4. If you do a transaction of 1 lakh or more with this card within a year, then you will be refunded the next Annual Membership fee.
5. If you do ATM Withdrawal from this card within 30 days after receiving the card, then you are given a welcome bonus of Rs.100.
6. You get the feature of Contactless Payments in this card.
7. You can transact with your Simply Save SBI Card at more than 24 million outlets across the world including 3, 25,000 outlets in India.
8. You are given the feature of Add-On in Simply Save SBI Card, through which you can get this credit card for your Parents, Spouse and Siblings at your own risk.
9. With this card, you can withdraw cash from Visa and MasterCard ATMs around the world.
10. In this card you are also given the option of Flexi pay, with the help of which you can pay after purchasing 2500 or more and converting it into EMI.

Fee/Charges:

• Annual Fee (one-time): Rs. 499
• Renewal Fee (per annum): Rs. 499 from second year onwards. Renewal Fee reversed if annual spends for last year Rs. 1, 00,000 and more.
• Add-on Fee (per annum): Nil

Why Choose Simply Save Credit Card?

If you are a Beginner and you have never used Credit Card before and you want to get SBI’s Credit Card and if you spend more Offline then you can apply for this Simply Save SBI Card. In this credit card you are given all the features which are mandatory to be in a credit card. If your Spending Power is normal then you can issue this Simply Save card.

Simply Click SBI Credit Card

Main Features:

1. Simple Click Credit Card is best for online spends like Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds etc.
2. When you pay the Annual Fee of this card, you are given an Amazon Gift card of Rs.500 and if you spend Rs.1 lakh in a year with this card, then you are given an E-voucher of Rs.2000.
3. When you spend online with its Exclusive Partners like Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, Netmeds you get 10x Rewards Points apart from this, you get 5x Reward Points on every Online Spend.
4. In this card also you get the feature of Annual Fee Reversal, so that if you make a transaction of 1 lakh or more with this card within a year, then you will be refunded the next Annual Fee.
5. You get to see Contactless Technology in this card as well.
6. You can also do Transactions with the Simply Click SBI Card with more than 24 million outlets worldwide including 3,25,000 outlets in India and you can use this card at every outlet where Visa and Master Card are Acceptable.
7. You are given the feature of Add-On in this card also.
8. You can easily withdraw cash from Visa and MasterCard ATMs around the world with Simply Click SBI Card.
9. You are also given the option of Flexi Pay here.

Fee/Charges:

• Annual Fee (one-time): Rs. 499
• Renewal Fee (per annum): Rs. 499 from second year onwards. Renewal Fee reversed if annual spends for last year Rs. 1,00,000 and above.
• Add-on Fee (per annum): Nil

Why Choose Simply Click Credit Card?

If your Online Spending is high then you can apply this Simply Click SBI Card. The major difference between these two Simply Save and Simply Click Card is that the Simply Save Card is more beneficial for offline expenses at different places such as movie halls, restaurants and stores and Simply Click SBI Card is more beneficial for online spending on online websites such as Amazon, Netmeds, Lenskart, Flipkart. Therefore, now you can select one of these two Credit Cards as per your need.

Final Words:

Hopefully you must have come to know that Which SBI Credit Card is best for beginners. Apart from these two cards, SBI provides you many other types of cards, which you can apply as per your need.

But again, you should know how to use the credit card smartly, only then you will be able to avail the features of Credit Cards in a complete way. If you have any question on this concept, then definitely tell us. Your Feedback is helpful for us.