SBI SimplyClick vs ICICI Emeralde Private Metal
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI SimplyClick wins 6-3. First card for online buyers, low entry fee ICICI Emeralde Private Metal is still the right call if high-net-worth families wanting universal 6 icici points/₹100..
Side-by-side
| Criterion | SBI SimplyClick | ICICI Emeralde Private Metal |
|---|---|---|
| Annual fee | ₹499 | · ₹12,499 |
| Joining fee | ₹499 | · ₹12,499 |
| Top reward rate | 10% (shopping) | · 6% (general) |
| Base reward rate | · 1.25% | 6% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = Taj Epicure / EazyDiner Prime / Times Prime annual membership |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹300,000 | · ₹5,000,000 |
| Min credit score | 700 | · 800 |
| Editorial rating | · 4.4/5 | 4.8/5 |
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
ICICI Emeralde Private Metal
- Unlimited domestic + international lounge access for self & guest
- 6 reward points per ₹100 across all categories
- Taj Epicure annual membership included
- 24x7 concierge + Golf privileges
- 2% forex markup
FAQ
›SBI SimplyClick vs ICICI Emeralde Private Metal: which is better?
SBI SimplyClick wins on more dimensions (6 vs 3). 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, ICICI Emeralde Private Metal 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. ICICI Emeralde Private Metal: Taj Epicure / EazyDiner Prime / Times Prime annual membership.