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BOBCARD Tiara 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

SBI SimplyCLICK charges ₹499 + GST and earns 10X Reward Points on online partners like Swiggy and Dominos, with an Amazon gift card offsetting the first year's fee - a low-cost online-dining card. BOBCARD Tiara charges ₹2,499 + GST but earns 15 Reward Points per ₹100 on dining, travel, and international spends plus unlimited domestic lounge access. If most of your dining is food delivery and online ordering, SimplyCLICK's low fee and 10X rate work well; for broader in-restaurant dining plus travel and lounge access, Tiara's higher fee buys a wider benefit set.

BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee₹2,499 + GST
Joining Fee₹499 + GST
Renewal Fee₹2,499 + GST
Renewal Fee₹499 + GST
Spend Based WaiverJoining fee waived on ₹25,000 spend in 60 days. Annual fee waived on ₹2.5 Lakh spend in a year.
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees2%
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome BonusComplimentary Swiggy One, Amazon Prime/Disney Hotstar, Gaana Plus, Women's Health Package. Fee waiver.
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards RateEarn 15 RP (5X) per ₹100 on Dining, Travel, International Spends (capped). 3 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 Fee
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessUnlimited domestic lounge access. Requires ₹75,000 spend in previous quarter (₹40,000 from Jan 2025).
Domestic Lounge Access
International Lounge AccessThis card offers no international airport lounge access.
International Lounge Access
Travel BenefitsAccelerated 15 RP (5X) per ₹100 on Travel. Low 2% Forex markup. Unlimited domestic lounge access (spend based).
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie Benefits
Flat ₹250 off on 2 movie/non-movie tickets with BookMyShow, available quarterly.
Movie Benefits10X Reward Points on BookMyShow.
Dining BenefitsAccelerated 15 Reward Points (5X) per ₹100 spent on Dining. Complimentary Swiggy One 3-month membership.
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance BenefitsZero Liability on Lost Card.
Insurance Benefits
Cash Advance Charges
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 Tiara Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The BOBCARD Tiara Credit Card is a premium offering exclusively designed for women, empowering their journeys with tailored benefits. It provides accelerated 5X Reward Points on dining, travel, and international spends, coupled with a competitive low 2% Forex markup. Cardholders enjoy complimentary memberships to Swiggy One, Amazon Prime/Disney Hotstar, and Gaana Plus, alongside unique women's health benefits. This card is ideal for modern women seeking a comprehensive financial tool that blends high rewards, lifestyle perks, and travel advantages.

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.

Highly competitive 2% Forex markup charge, lower than most credit cards in the market.

Accelerated reward points on international spends benefit frequent international travelers.

Offers a high effective reward rate of 3.75% on dining and travel spends.

Wide array of lifestyle benefits including shopping discounts, entertainment, and health perks.

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.

Despite international benefits, the BOBCARD Tiara does not offer international airport lounge access.

Domestic airport lounge access is conditional on meeting a minimum spending requirement.

Reward points on accelerated categories and UPI transactions are capped per statement cycle.

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 Tiara Credit Card(opens in new tab)Apply for SBI SimplyCLICK Credit Card(opens in new tab)