SBI Prime vs SBI Simplyclick? Dimers, which one would you choose?
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With recent devaluations and no cashback on wallet loads, SBI cards have become less attractive. I want to apply for an SBI card which will give me decent limit and will increase further based on my usage to high 6 digit figures. Reaching 3 lac milestone is not a problem as we have wallets for that. Card will be mainly used for Bill pay and online ordering. Which one do you suggest? I am inclined towards PRIME as it gives complementary lounge access and looks premium.
PRIME has 2999 joining fees, fees waiver at 3 lac spends, Pizza Hut voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter, voucher Rs. 7,000 from Yatra.com/Pantaloons on 5 Lakhs.
SIMPLYCLICK has 499 joining fees, fees waiver at 1 lac spends, 2000 cleartrip vouchers at 1 lac and 2 lac spends.
Earn 10X Reward Points on online spends with exclusive partners – Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds / UrbanClap
Thanks for the help.
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Will not be doing offline spends, and almost everyone will be doing more and more online shopping due to COVID.
Online > Offline
And for Amazon, Apay ICICI looks better.
Benefit with PRIME is that we can have 1000 Pizza hut vouchers which translates to 4000 per annum. Want to go with PRIME as I saw someone had their limits increase very rapidly with PRIME.
Any sbi cc with less spends for fee waiver?
I have sbi Ola money card , can I apply for sbi simply click card also ?
Yes.
OFF TOPIC : IF ANYONE NEEDS ANY OF THE CCs
Be it simplyclick, simplysave, ola etc whatever SBI provides
contact me
Only these people contact
1.who already have any cc of any bank
2. Who have a job 
seems you forgot to mention CC Names
I think SimplyCLICK and SAVE have the least waiver of 1 lac spends
Apun ki 1 hi funda, free me jo de wahi lene ka. Kisme 1 % point milega kisne 2% us chakkar me na padne ka.
Aap unnecessary use na karo 100% point save hoga.
I have below these
1. Sbi amex ( no charge as a corporate employee): usefull at lounge or any sbi card offer
2. Icici amazon
3. Hsbc : useful at grofers and amazon bill pay
4. Citi ( 0 charge if spend cross 30k )
5. Axis neo
6. Hdfc platinum
7. Indusind amex iconic : on d way applied only because of ltf and airport lounge.
‘Sbi amex’
Yeh konsa card he?
When it launched?
Best SBI Card is SimplyClick.
but bro now amz 10x offer stopped for wallet load.. also no GC buying allowed 
Chat transcript with @Aashiqhussain
he MPed me on 9th june to 10th june seeking help on credit cards
and in the end see today’s chat
9 Jun
Aashiqhussain: Hey bro can you share SBI cc agents phone number
23:44
10 Jun
me: 18601801299 but not working except emergency service
14:19
Aashiqhussain:
I mean local agents
14:28
Not customer care
14:28
The agents who do jugaad
14:28
For cc
14:28
me: Each city has different agents, you need to visit main SBI branch and ask SBI credit card agent number they will give you
16:58
Aashiqhussain:
Thanks brother
16:59
Me: Or you can try to contact petrol pumps they usually come there and beg to apply BPCL credit card
16:59
Me: Sometimes they stand for hours and petrol pumps and ask customers to apply for credit card
17:00
Aashiqhussain:
Here petrol pumps prefer cash
17:00
I highly doubt they would know anything about it
17:00
Me:
No no I mean agents go there
17:01
Aashiqhussain
Ohhh
17:01
Okk
17:01
Me: Ask them ke koi credit card banane Wala banda idhar ata hai
17:01
Aashiqhussain:
I wish I could meet anyone and they are begging outside my state
17:01
me:
Which state
17:02
Aashiqhussain:
Jammu and Kashmir
17:02
Kashmir part
17:03
Me:
Ohh
17:03
Specifically Srinagar
17:03
Me: Restricted area
17:03
Me:
Do have any existing cc
17:03
Aashiqhussain:
Yes
17:04
SBI cc
17:04
On fd
17:04
Me:
Limit?
17:05
Limit like shit
17:05
3700
17:05
37000
17:05
Me:
On fd of 50000!?
17:05
Aashiqhussain:
Wow good guess
17:06
smile
17:06
Right
17:06
Me:
Taking card on fd is bad idea
17:06
Aashiqhussain:
They don’t provide you unsecured cc
17:06
me:
Why so
17:06
Aashiqhussain:
One reason I came to know
17:06
That’s there I can’t increase the limit
17:07
No matter if I use it extensively
17:07
They ask for salary
17:07
Job
17:07
Me:
This fd based card is not a good relationship
17:07
Aashiqhussain
I am student
17:07
Me:
Best way to apply card was on card to card basis
17:08
Aashiqhussain:
*was
Is that stopped
17:08
Me:
You should have taken cc from any private bank first
17:08
Me:
No it is not stopped
17:08
Aashiqhussain:
Someone on dd said it stopped
17:09
Me:
But you cannot apply cc against a secured cc
17:09
Me:
Not stopped yet
17:09
Aashiqhussain:
Ok
17:09
Aashiqhussain:
So that means I can’t apply for eg HDFC by using sbi secured cc
17:10
Me:
Few days ago one of my friends sbi card approved on c to c basis , he has very less income
17:10
me:
Still he got 30000 limit against his canara cc
17:10
me:
Sorry you can apply
17:11
Me:
I mean you cannot apply another SBI CC against this secure cc
17:11
Aashiqhussain:
Okk
17:11
Thanks for clearing
17:12
I had it in mind
17:12
fearful
17:12
Me:
You can try applying with other banks
17:12
Aashiqhussain:
ICICI /hdfc
17:12
Which one should I go for
17:12
Success rate
17:12
Aashiqhussain:
But most of them need minimum 50000 limit on existing card
17:12
Me:
For sbi I am sure for others I am not talk to their branch
17:13
Me:
Axis has most success rate
17:14
Aashiqhussain:
Ok
17:14
Aashiqhussain:
Will axis give on c2c basis
17:14
Me:
Axis gives c2c or Open account in Axis they will give you cc without any docs or card required
17:15
Me:
After 6 months they provide offer if 30-40k maintaining
17:15
me:
In which private bank you hold account
17:16
Aashiqhussain:
Hdfc and icici
17:16
Me:
Then apply with any of them by visiting branch
W
In which account keep more money hdfc or icici
17:17
Aashiqhussain:
None of them ….I used to keep in SBI thinking they will increase limit
17:18
Wasted 1 year keeping 1 L in sbi
17:18
sweat sweat
17:18
I only used to maintain MAB
17:19
Me:
Totally waste of time you would have received offer as of now ,, now start keeping balance in any of them preferably with hdfc
Or 70k in hdfc and 30-40 k in icici
17:21
Me:
You will get pre-approved offer
17:21
Me:
Don’t mention student while applying mentioned salaried with 25000 income
17:22
Aashiqhussain:
Then after salaried
17:22
They ask for documents I guess
17:22
Me:
No documents needed for pre-approved offer even they don’t ask aadhaar pan etc completely online process online cc agents guide you to fill the application form
17:23
*Hdfc
17:23
Aashiqhussain:
Ohhhh that’s so unbelievable
17:24
Aashiqhussain:
One more thing need to ask you
17:24
Aashiqhussain:
Sorry for wasting your time
17:24
me:
Better keep 1 lakh in hdfc only as ICICI cards are useless
17:24
me:
Ask
17:25
Aashiqhussain:
I have fd of 15k in HDFC
And 10k fd in ICICI
Will that fetch anything towards cc goal
17:25
Aashiqhussain:
Or shud I break both fds and keep balance in hdfc
17:26
Aashiqhussain:
If I do more transactions in HDFC like NEFT upi ,debit card shop, internet banking shop
17:27
me:
Axis provides pre-approved cc on bhim app that too within few minutes no docs needed cc generated in front of you instantly ,
Keeping money in fd no issue but maintain 1 lakh balance too
17:27
Aashiqhussain:
Will that bring the eligibility for offer closer
17:27
me:
Keep money in hdfc
17:27
Aashiqhussain:
Yes
17:27
Aashiqhussain:
If you kept 1 lakh in hdfc for an year just like SBI you may have received offer of any premium hdfc card
17:29
Aashiqhussain:
Thank you sir understood everything related credit cards
17:30
+kg
17:30
Me
Ok Thanks
Yesterday after his post on this thread i sent him PM and now see his response
17:30
Yesterday
Me:
You got job in SBI card?
19:28
Me:
What is max limit on existing card?
19:32
Me:
why not replying bro
23:06
Aashiqhussain:
Limit has many factors
23:06
Aashiqhussain:
Depends on your credit history
23:06
Today
Me:
i have a big limit on my sbi card, was asking about a friend who has 25000 limit axis unsecured card, as per my knowledge minimum limit on existing card was 50,000 , if you are working with sbi card you may check whether app accepts 25000 existing card limit on card to card applications
05:37
Aashiqhussain:
Bro it also depends on CIBIL
See combo is like this
Great CIBIL + less limit
Average CIBIL + high limit
It works both ways
06:11
me:
whether system allows to enter less than 50k limit
07:20
Aashiqhussain:
Not less than 30k if unemployed
07:23
me:
lol system will not accept application of unemployed you need to enter either salaried, or self employed
07:52
Aashiqhussain:
Self employed ~ unemployed
smile smile smile
07:54
Aashiqhussain:
I hope you understand the analogy
07:54
Aashiqhussain:
it means if selected salaried it will accept 25k limit too
08:21
Me:
you didn’t answer my question are you working with sbi card 😊
08:23
Aashiqhussain:
Bro this is not an interview
08:57
Aashiqhussain:
The answer to your question is yes
08:58
Aashiqhussain:
And please have some courtesy
08:58
Aashiqhussain:
Why r you behaving like a dick
08:58
Me:
ok bro no problem you asked me many questions i never got offended , now i asked one question to you as i felt you like my friend and i became di**k
09:28
See the chat transcript first he asked me everything and became gyani and started abuse
So beware guys if anyone is sharing details with him
Seedha @MJ911 sir ko bol dete he.
yes in just 4months i spent 18lakhs in amazon.. my monthly limite 1lakh only
Money Rotation or Genuine Spends. If money rotation might be problematic with Income tax department in future.
Thanks everyone, after thinking a lot and keeping in mind my usage, I applied for prime as I need to pay 25k+ utility bills every month. 15k utility bills will be set on auto payment to avail 5% CB and the rest I will pay through Payzapp.
Timeline:
Applied through paisabazaar:
Received call next day for documents pickup from SBI, they collected cc statement, front cc front copy and KYC docs on 6th
Received verification call on 8th informing me that my card will be approved
Will update further timelime
Also I want to sell or exchange the welcome voucher after I get the CC. Which one do you suggest is easier to sell/exchange with higher returns? SS or Pantaloons or Yatra?
So, only card on card. No need income bro?
Update : CC status online and on IVR says in process but received message saying application can’t be processed. Few hours later, received an email informing me that they can’t issue fbb styleup card which I had applied for 7 months ago. Same thing happened with others recently and they received the card later. Fingers crossed. 
Simplyclick is totally junk now. They are now arbitrarily issuing rewards now. These many transactions done But not a single reward point.
So bad and we can rule out the situation improving for next 1-2 years
SBI Prime is the best when you know there is no limit cap on: Utility bills & birthday spends: 100 = 20 points
On any spend online or offline on birthday, we get 5% flat cashback which is redeemable as cash. Thes best part is points are credited next day and if redemption request is placed the cash is credited the very next day.
In my family we have aligned all investments and big payment dates including annual LIC, mutual fund and policy payments on birthday. Got 9000 cashback in 1 day in July.
It has capping in auto pay.. may be no cap on birthday but that’s once in a year
I have sbi prime, they are pushing for elite. Only plus point I found is book my show voucher but useless in corona time. Any suggestions whether should i upgrade card or should I be with prime only ?
SBI prime=SBI simplyclick +simplysave
now simplaycilck has lost its charm due to nopoints onwallet else its 2.5% return on Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds / UrbanClap and 1.25% on other
simplysave has 3% return when shopping through dept. and grocery go for that its free if spend=1L