Head-to-head · 🇮🇳 India
SBI SimplyClick vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
IN
ICICI Bank
ICICI MMT Signature
Wins 2 of 10
Verdict
SBI SimplyClick wins 6-2. First card for online buyers, low entry fee ICICI MMT Signature is still the right call if makemytrip loyalists — co-branded with strong travel benefits..
Side-by-side
| Criterion | SBI SimplyClick | ICICI MMT Signature |
|---|---|---|
| Annual fee | ₹499 | · ₹2,500 |
| Joining fee | ₹499 | · ₹2,500 |
| Top reward rate | 10% (shopping) | · 6% (travel) |
| Base reward rate | · 1.25% | 1.5% |
| Forex markup | · 3.5% | 2.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹600,000 / yr |
| Min income | ₹300,000 | · ₹800,000 |
| Min credit score | 700 | · 770 |
| 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
ICICI MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›SBI SimplyClick vs ICICI MMT Signature: which is better?
SBI SimplyClick wins on more dimensions (6 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, ICICI MMT Signature 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 MMT Signature: ₹2,500 MMT Black holidays voucher.