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Citi Cash Back 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: 17 July 2026

Both SBI SimplyCLICK Credit Card and Citi Cash Back 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. Citi Cash Back Credit Card is lifetime-free and earns unlimited 2% cash back on every purchase; 5% on hotels, car rentals, and attractions booked through Citi Travel. SBI SimplyCLICK Credit Card also brings amazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee, while Citi Cash Back Credit Card counters with earn 200 Cash Back after spending 1,500 on purchases in the first 6 months of account opening. If shopping spending matters more, go with SBI SimplyCLICK Credit Card; if travel is the priority, Citi Cash Back Credit Card fits better.

Citi Cash Back Credit Card
Citi Cash Back Credit Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹499 + GST
Renewal FeeLifetime Free
Renewal Fee₹499 + GST
Spend Based Waiver
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)0% intro APR for 18 months on balance transfers; variable APR 17.49% - 27.49% thereafter.
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome BonusEarn $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards RateEarn unlimited 2% cash back on every purchase; 5% on hotels, car rentals, and attractions booked through Citi Travel.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsEarn a total of 5% cash back on hotels, car rentals, and attractions booked through Citi Travel.
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie Benefits
Movie Benefits10X Reward Points on BookMyShow.
Dining Benefits
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance Benefits
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.

Citi Cash Back Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The Citi Double Cash Card is a popular cash back credit card offering an unlimited 2% cash back on all purchases, split between 1% when you buy and 1% when you pay. It features no annual fee and an attractive 0% introductory APR on balance transfers for 18 months. This card is ideal for individuals seeking straightforward rewards on everyday spending and those looking to consolidate debt.

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.

Earn unlimited 2% cash back on all purchases, a straightforward and rewarding structure.

Enjoy the benefits of this card without paying any annual fee whatsoever.

Benefit from a long 0% introductory APR on balance transfers for debt consolidation.

Get enhanced 5% cash back on travel bookings made via the Citi Travel portal.

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 card lacks specific bonus categories for dining, movies, or fuel beyond general spend.

No complimentary airport lounge access or premium travel perks are offered with this card.

Interest is charged on new purchases if a balance transfer is not paid in full monthly.

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 Citi Cash Back Credit Card(opens in new tab)Apply for SBI SimplyCLICK Credit Card(opens in new tab)