SBI Card Prime vs Simply Save Credit Card: Which Is Best?

SBI Cards offer a wide range of credit cards from basics to super-premiums. You can definitely find the right credit card that suits your spending habits and needs. In this article, we have discussed one basic credit card and one premium credit card offered by SBI Cards that you can consider applying for.

First and foremost, you need to identify your needs and spending habits and then choose the one which is of the highest value to you. Continue reading to know more about the SBI card prime and Simply Save credit card.

SBI Prime Credit Card

You can get this credit card at joining and the renewal fee of Rs. 2,999 plus applicable taxes. The SBI Prime credit card is one of the premium credit cards offered by the SBI Cards and is ideal for shopping and travel. Here are the key highlights of this credit card.

• You get a gift voucher worth Rs. 3,000 as a welcome offer.
• Earn 2 reward points on every Rs. 100 spent on retail transactions.
• On spending every Ra. 100 on categories like grocery, dining, movies, and departmental store, you get to earn 10 reward points.
• On spending on your birthday, you get to earn 20 reward points.
• Enjoy 8 complimentary domestic airport lounge access and 4 complimentary international lounge access every year.
• Get a comprehensive insurance cover with this credit card.
• Save up to 25%  on dining bills at partner restaurants.
• Get a 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 4,000.
• The renewal fee will be waived off on spending Rs. 3 lakh in the previous year.

SBI SimplySAVE Credit Card

You can vouch for this credit card at Rs. 499 plus applicable taxes. The SBI SimplySAVE credit card is an entry-level credit card and best suited for first-time credit card users. You get to understand the working of a credit card as well as earn a decent reward in return. Undergiven are the key features and benefits of this credit card.

• Get 2,000 bonus points worth Rs. 500 on spending Rs. 2,000 within 60 days of card issuance.
• Earn 1 reward point on every Rs. 100 spent using this credit card.
• On spending every Ra. 100 on categories like grocery, dining, movies, and departmental store, you get to earn 10x reward points.
• Get a 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000.
• The renewal fee will be waived off on spending Rs. 1 lakh in the previous year

Bottom Line:

To conclude, as you have read above one surely offers more features and benefits than the other one. If you are just starting off your credit card journey then you must go for the SBI SimplySAVE credit card so that you can get the hang of a credit card. Then proceed further to apply for the premium credit cards. Always remeber to adhere to the repayment cycles and maintain a low credit utilization ratio in order to build a good stading account. 

Additional Reading - Lifetime Free Credit Cards With Lounge Access