Head-to-head · 🇮🇳 India
SBI SimplyClick vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 8 of 10
IN
ICICI Bank
ICICI Rubyx
VISA
Wins 0 of 10
Verdict
SBI SimplyClick wins 8-0. First card for online buyers, low entry fee ICICI Rubyx is still the right call if step up from coral — adds dual-network and milestone rewards..
Side-by-side
| Criterion | SBI SimplyClick | ICICI Rubyx |
|---|---|---|
| Annual fee | ₹499 | · ₹2,000 |
| Joining fee | ₹499 | · ₹3,000 |
| 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 | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹350,000 / yr |
| Min income | ₹300,000 | · ₹600,000 |
| Min credit score | 700 | · 760 |
| Editorial rating | 4.4/5 | · 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 Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
FAQ
›SBI SimplyClick vs ICICI Rubyx: which is better?
SBI SimplyClick wins on more dimensions (8 vs 0). 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 Rubyx 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 Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.