American Express PAYBACK® Credit Card vs SimplySave SBI Card

• Earn multiple Points from more than 50 PAYBACK partners and 2 PAYBACK Points from American Express PAYBACK Credit Card for every Rs. 100 spent
• Milestone Benefits: Avail Flipkart vouchers worth Rs. 7,000 on spending Rs. 2.5 Lakh in a Card-membership year. Earn a Flipkart voucher worth Rs 2,000 on spending Rs. 1.25 Lakh in a Card-membership year. Additionally, earn a Flipkart voucher worth Rs. 5,000 on spending Rs. 2.5 Lakh in a Card-membership year
• Earn 2 PAYBACK Points for every Rs. 100 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale. Boost the PAYBACK Points while shopping at over 50 PAYBACK partner brands
• The NEW American Express PAYBACK Credit Card provides a range of other exciting offers and privileges too. Other exciting offers are available on Fuel, Dining, Limited liability for card loss, Contactless Payment

• Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points
• Renewal Fee reversed if annual spends for last year is more than Rs. 1,00,000
• Get 10 Reward Points per Rs 150 spent on Dining, Movies, Departmental Stores and Grocery Spends
• On all other spends, earn 1 Reward Point per Rs 150 spent
• 1% fuel surcharge at any petrol pump. Transact an amount between Rs. 500 to Rs. 3,000 at any petrol pump in India to avail this offer
• With SimplySAVE SBI Card, daily purchases will be much easier. Simply wave the card at a secure reader to transact
• Transfer the outstanding balance of other banks’ credit cards to SimplySAVE SBI Card, and avail a lower rate of interest and pay back in EMIs
• With the facility of Flexipay, convert transactions in easy monthly installments. Make purchases for Rs. 2,500 or more using SimplySAVE SBI Card

Pros

• Get rewarded on all your spends
• Reasonable Joining Fees

Cons

• No Fuel Surcharge Wavier
• No complimentary Airport Lounge Access

Pros

• 1% fuel surcharge at any petrol pump
• Enjoy 10 Reward Points per Rs 150 spent on Dining, Movies, Departmental Stores and Grocery Spends
• Get annual membership fee reversal from second year of your subscription

Cons

• No Golf/coaching sessions
• Fee waiver on minimum spend of Rs. 1,00,000
• No complimentary Airport Lounge Access