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Cashback SBI 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.

Features

Cashback SBI Credit Card
Cashback SBI Credit Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee
₹999 + GST
₹499 + GST
Renewal Fee
₹999 + GST
₹499 + GST
Spend Based Waiver
Annual fee is reversed if annual spends in the previous year are Rs. 2,00,000 or more.
Renewal fee waived if annual spends for previous year are ₹1,00,000 or more.
Foreign Transaction Fees
3.5% + GST
3.5% of the total transaction amount.
Interest Rate (APR)
3.75% per month (45% per annum)
3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus
No specific welcome benefits or joining perks are listed for this card.
Amazon.in gift card worth ₹500 upon payment of annual fee.
Rewards Rate
5% cashback on online spends (capped at Rs. 2,000 per statement cycle) and 1% cashback on offline spends (capped at Rs. 2,000 per statement cycle); max combined Rs. 4,000 per statement cycle.
Earn 10X Reward Points on exclusive online partners, 5X on other online spends, and 1 RP per ₹100 on offline spends.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Not applicable
₹99 + GST applies for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
International Lounge Access
Not Applicable
Travel Benefits
10X Reward Points on Cleartrip & Yatra; e-vouchers worth ₹2,000 each from Cleartrip/Yatra on milestones.
Movie Benefits
10X Reward Points on BookMyShow spends.
Dining Benefits
10X Reward Points on Dominos and Swiggy spends.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at petrol pumps across India, capped at Rs. 100 per statement cycle.
1% waiver on transactions between ₹500-₹3,000, capped at ₹100 per cycle.

Security & Other

Insurance Benefits
Not Applicable
Cash Advance Charges
2.5% of the amount withdrawn or a minimum charge of Rs. 500.
2.5% of withdrawal amount, subject to a minimum fee of ₹500.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Cashback SBI Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The Cashback SBI Card is an entry-level cashback credit card that delivers straightforward savings on everyday spending with 5% cashback on online transactions and 1% on offline spends. It pairs flat cashback with a fuel surcharge waiver and a spend-based annual fee waiver, making it ideal for users who want direct, easy-to-track benefits without managing points. Best suited for regular shoppers and online spenders who can meet the Rs. 2 lakh annual spend threshold, this card simplifies rewards while offering global acceptance and contactless convenience.

Who is it for?

The SBI SimplyCLICK Credit Card is an excellent entry-level shopping card, especially for online shoppers, offering accelerated reward points on popular brands. With an affordable annual fee of ₹499, which is easily reversible, it helps maximize savings on digital transactions. New cardholders get a ₹500 Amazon gift card, effectively offsetting the first year's fee, and milestone benefits add further value through travel e-vouchers. It's ideal for building credit and offers great utility for everyday online purchases.

Pros

Key benefits and features.

Decent 5% cashback on online spends and 1% on offline spends for solid everyday savings.

High monthly cashback cap of Rs. 4,000 across categories boosts total earnings potential.

Strong option for online spending compared to other cashback cards with simple auto-credit.

Contactless payment facility available for quick and secure low-value transactions.

Global acceptance in over 24 million outlets ensures usability during travel and shopping.

Pros

Key benefits and features.

Excellent accelerated reward program for online shopping, with up to 10X points on partner brands.

Affordable annual fee of ₹499, easily waived by spending ₹1 lakh annually, making it cost-effective.

Welcome Amazon gift card worth ₹500 effectively offsets the first year's annual fee immediately.

Valuable milestone e-vouchers from Cleartrip/Yatra on achieving specific annual spending goals.

Cons

Key drawbacks and limitations.

Several categories are excluded from cashback eligibility, limiting earnings on key spends.

Annual fee is relatively high compared to the benefits for low spenders who cannot meet the waiver.

Spend-based waiver may be difficult to achieve if major spends fall in excluded categories.

No instant discounts during online sales, reducing appeal during promotional shopping periods.

Cashback exclusions on utilities, insurance, fuel, rent, and other services restrict utility.

Cons

Key drawbacks and limitations.

Lacks complimentary domestic or international airport lounge access, limiting benefits for travelers.

Does not provide explicit insurance benefits, which is a common feature in many other cards.

Reward redemption options are somewhat limited, potentially reducing flexibility for cardholders.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.