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BOBCARD Easy Credit Card VS SBI SimplyCLICK Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both SBI SimplyCLICK Credit Card and BOBCARD Easy Credit Card suit shopping-focused spenders, but they earn and cost differently. SBI SimplyCLICK Credit Card costs ₹499 + GST and earns 10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline. BOBCARD Easy Credit Card costs ₹500 + GST and earns 5X Reward Points (5 RP per ₹100) on movies, groceries, departmental stores (capped at 1000 RP/cycle). 1 RP per ₹100 on others. SBI SimplyCLICK Credit Card also brings amazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee, while BOBCARD Easy Credit Card counters with earn 500 Reward Points on spends of ₹5,000 within 60 days of card issuance. If shopping spending matters more, go with SBI SimplyCLICK Credit Card; if movies is the priority, BOBCARD Easy Credit Card fits better.

BOBCARD Easy Credit Card
BOBCARD Easy Credit Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverJoining fee waived on ₹6,000 spend in 60 days. Renewal fee waived on ₹35,000 spend annually.
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.75% Per Month (45% Per Annum) on overdue amounts.
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome BonusEarn 500 Reward Points on spends of ₹5,000 within 60 days of card issuance.
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards RateEarn 5X Reward Points (5 RP per ₹100) on movies, groceries, departmental stores (capped at 1000 RP/cycle). 1 RP per ₹100 on others.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie BenefitsEarn 5X Reward Points on movies.
Movie Benefits10X Reward Points on BookMyShow.
Dining Benefits
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions between ₹400-₹5,000, max ₹250/cycle. No RPs on fuel.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance BenefitsAccidental death cover for the primary credit cardholder.
Insurance Benefits
Cash Advance Charges2.5% or ₹500 (higher) for domestic; 3% (higher) for international.
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Easy Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The BOBCARD Easy Credit Card is an entry-level credit card designed for everyday spending. It offers a limited-time lifetime free offer and 5X Reward Points on movies, groceries, and departmental stores. Users can also earn base Reward Points on UPI transactions and benefit from zero liability protection. This card is ideal for individuals looking to maximize savings on daily expenditures.

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

Pros

Key benefits and features.

Lifetime free joining and annual fees under limited-time offer or spend-based waivers.

High 5X reward rate on common spending categories like movies, groceries, and departmental stores.

Base reward points on all other categories and UPI spends, enhancing everyday value.

Zero liability protection for lost cards provides security and peace of mind.

Option to convert large purchases into EMIs and get free add-on cards for family.

Pros

Key benefits and features.

Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.

Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.

The annual fee can be easily waived by spending ₹1 lakh in the previous year.

Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.

Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.

Cons

Key drawbacks and limitations.

The 5X reward points are capped at 1000 Reward Points per statement cycle on accelerated categories.

No specific travel benefits are provided with this card, limiting its utility for travelers.

High foreign currency markup of 3.5% makes international spends expensive.

High interest rates of 3.75% per month on overdue amounts can be a significant drawback.

Cons

Key drawbacks and limitations.

Does not offer complimentary domestic or international lounge access, limiting travel perks.

Lacks comprehensive insurance benefits, which might be a concern for some cardholders.

Reward redemption options, while available, might feel limited compared to premium credit cards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for BOBCARD Easy Credit Card(opens in new tab)Apply for SBI SimplyCLICK Credit Card(opens in new tab)