SimplySAVE SBI Credit Card vs SBI Prime Credit Card
Last Updated : March 22, 2025, 12:16 p.m.
The SBI Prime Credit Card and the Simply Save SBI Credit Card are cards with their own unique benefits. SBI Card Prime is a reward focused credit card offering accelerated earnings on movies, grocery, dining, and department store spends. Cardholders can also benefit from getting a gift voucher on achieving spend milestones, complimentary domestic and international lounge visits, etc. The Simply Save SBI Credit Card provides accelerated reward points on movies, groceries, dining, and departmental stores. Cardholders can also benefit from 2000 bonus points as a welcome perk and spend based reversal on reaching milestone spends of Rs. 1 lakh. Now, how to choose a card amongst the two credit cards. For that, let us compare the features of both the cards and understand them in detail. Before you apply for a credit card, check the credit score as it is an important eligibility criteria. You can check CIBIL score online at Wishfin and also view your detailed CIBIL report.
Comparing the SBI Save Credit Card and SBI Prime Credit Card
| Parameter | Simply Save SBI Credit Card | SBI Prime Credit Card |
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Joining fee |
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Renewal fee |
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Welcome benefit |
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Reward or cashback rate |
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Rewards redemption rate |
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Milestone benefits |
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Annual fee reversal |
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Visa/Mastercard/American Express Privileges | NA | Golf benefits:
Hotel benefits:
Dining offers: Discover delectable dining offers and enjoy up to 25% discount in your city. Complimentary memberships: Free tablet plus membership - Access to VIP upgrades and privileges on hotels. Rentals on cars: Save up to 100% on Hertz car rentals and up to 35% on Avis car rentals. |
Insurance |
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Lounge access |
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Fuel surcharge waiver |
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Pros and Cons of the SimplySave SBI Credit Card and the SBI Prime Credit Card
Pros of the SBI Card Prime are as follows:
- Accelerated reward points of 5X reward points on dining, grocery, departmental stores, and movies.
- Milestone benefits worth Rs. 11,000 in a year on reaching milestone spends of Rs. 5 lakhs or more.
- Get complimentary domestic and international lounge visits.
- Enjoy hotel, golf, and dining benefits.
Pros of the SimplySave SBI Credit Card are as follows:
- Enjoy accelerated reward points of 10x on dining, grocery, movies, and departmental store spends.
- It is an entry level credit card with a low annual fee and simpler eligibility criteria.
- Get an annual fee waiver on reaching milestone spends of just Rs. 1 lakh in a year.
Cons of the SBI Prime Credit Card
- Travel benefits include only complimentary lounge access
- The reward redemption value is very low @ 0.25 only.
Cons of the SimplySave SBI Credit Card
- Rewards can be redeemed only on select brand vouchers.
- No other standout benefits other than the rewards program
- It has a low rewards rate compared to other entry level cashback cards.
SimplySave SBI Credit Card vs SBI Prime Credit Card - Which Card to Choose?
Both the SimplySave SBI Credit Card and the SBI Prime Credit Card have their own unique benefits. Which card you choose depends on your personal preferences and spending patterns. You can choose the SBI SimplySave credit card if you want to maximize your savings on daily expenses while earning rewards. If you are looking for a rewards focused credit card, then this card is ideal for you as it gives accelerated rewards on categories such as groceries, entertainment, restaurants, etc. You can then redeem them for various benefits. Also, if you want a card with a low joining fee and easy EMI conversion options, then this card is an ideal option. Further, if you want additional perks such as fuel surcharge waiver, global acceptance, and a hassle free transaction experience, then what are you waiting for?
You can apply for the SimplySave SBI credit card. On the other hand, choose the SBI Prime credit card if you travel often. The Visa/American Express/Mastercard privileges will be of great advantage as you can enjoy VIP privileges through complimentary tablet plus membership, discounts on dining, room rentals, hotels, and car rentals. The complimentary international and domestic lounge access will be of great use for frequent travelers. Further, opt for this card, if you spend a considerable amount on movies, dining, and groceries. Also, if you are a high spender and can spend more than Rs. 5 lakhs for a year, then choose this card as you can get an annual fee waiver and also a gift voucher.
Conclusion
Now, after knowing the whole comparison of Simply Save SBI Credit Card vs SBI Prime Credit Card it would be easy for you to apply for one card only. If you can afford a high renewal and joining fee and can spend INR 3 Lacs in a year then you must go for the SBI Prime Credit Card otherwise SBI Simply Save Credit card would be a good choice. This credit card is available at a fee of just INR 499 and the fee waiving off criteria is INR 1 Lac only. So, the ball is in your court and you will have to decide on a card suitable for your monthly expenses.
Frequently Asked Questions (FAQs)
