i already have SBI Simplyclick and i keep getting message from sbi to take sbi simplesave mentioned it pre- approved , i use my simplysave cause i get some benefit i guess which variant from sbi will be better choice for 2nd card, this is first year so will cross 1 year to get fees reversal next year, limit is 1 lakhs only it did got increment from 50 k to 1 lakhs i believe