Head-to-head · 🇮🇳 India
SBI SimplyClick vs ICICI Platinum Chip
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 4 of 10
IN
ICICI Bank
ICICI Platinum Chip
VISA
Wins 3 of 10
Verdict
SBI SimplyClick wins 4-3. First card for online buyers, low entry fee ICICI Platinum Chip is still the right call if lifetime free entry-tier icici card..
Side-by-side
| Criterion | SBI SimplyClick | ICICI Platinum Chip |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | 10% (shopping) | · 0.5% (general) |
| Base reward rate | 1.25% | · 0.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = No welcome bonus — fee-free for life |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | · ₹300,000 | ₹200,000 |
| Min credit score | = 700 | = 700 |
| Editorial rating | 4.4/5 | · 3.6/5 |
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 Platinum Chip
- 2 PAYBACK points per ₹100
- 15% off at 800+ restaurants
- 1% fuel surcharge waiver
- Lifetime free, no annual fee ever
FAQ
›SBI SimplyClick vs ICICI Platinum Chip: which is better?
SBI SimplyClick wins on more dimensions (4 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 Platinum Chip 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 Platinum Chip: No welcome bonus — fee-free for life.