Head-to-head · 🇮🇳 India
SBI SimplyClick vs AU Bank Zenith
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
Premium
AU Small Finance Bank
AU Bank Zenith
VISA
Wins 2 of 10
Verdict
SBI SimplyClick wins 5-2. First card for online buyers, low entry fee AU Bank Zenith is still the right call if underrated mid-premium — punches above its fee tier..
Side-by-side
| Criterion | SBI SimplyClick | AU Bank Zenith |
|---|---|---|
| Annual fee | ₹499 | · ₹7,500 |
| Joining fee | ₹499 | · ₹7,500 |
| Top reward rate | = 10% (shopping) | = 10% (travel) |
| Base reward rate | · 1.25% | 2% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 7,500 reward points + Vistara Premium Economy ticket |
| Fee waiver threshold | ₹100,000 / yr | · ₹800,000 / yr |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 700 | · 780 |
| 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 Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
FAQ
›SBI SimplyClick vs AU Bank Zenith: 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 Zenith 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 Zenith: 7,500 reward points + Vistara Premium Economy ticket.