Head-to-head · 🇮🇳 India
SBI SimplyClick vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 2 of 10
Verdict
SBI SimplyClick wins 5-2. First card for online buyers, low entry fee AU Bank LIT is still the right call if pick-your-own-categories — toggle 5x on the categories you spend in..
Side-by-side
| Criterion | SBI SimplyClick | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | 10% (shopping) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = Customizable category boosts at sign-up |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
FAQ
›SBI SimplyClick vs AU Bank LIT: which is better?
SBI SimplyClick wins on more dimensions (5 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. AU Bank LIT: Customizable category boosts at sign-up.