SBI cashback is the best cashback card out there which gives 5% cashback on the online transactions. And if you use it for your day to day transaction, you can save around 5%. Now the limitation of SBI Cashback is that it will not be used in any of the offer. For example, when I bought my laptop in Amazon Sale, SBI cashback was not giving any discount.
PC: Pixabay.com
This is where the SBI SimplyClick comes into picture. It is not that great of a card but it helps you to get the discount. For example, I got around Rs 3K discount on Amazon which was great. And that's why if you buy online SBI Credit Card discounts usually remains so you will get some or the other discount. I know we can get 5% from the SBI Cashback but sometimes for the Hugh value purchase even 1% more is a great returns.
And that's why I have both the Credit Card and I have to pay around Rs 1.5 per year as fees. If I use SBI Cashback for more than 2 Lakhs in a year, it will be free for me and that'd my plan. Most of my transactions will go via the SBI Cashback and for the discounts I will be using the SBI Simplyclick. So I will only have to pay Rs 500 for the SbI simplyclick.
And I would suggest everyone to get both the cards which is a great combination in your portfolio. SBI Casback is the best cashback card out there and if you use that for most of the transactions it will be literally free for you. SBI simpyclick will help you save money on discounts as simple as that.
