Head-to-head · 🇮🇳 India
SBI SimplyClick vs IDFC FIRST Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 3 of 10
IN
IDFC FIRST Bank
IDFC FIRST Select
VISA
Wins 5 of 10
Verdict
IDFC FIRST Select wins 5-3. Lifetime-free with surprisingly strong reward earn rates. SBI SimplyClick is still the right call if first card for online buyers, low entry fee.
Side-by-side
| Criterion | SBI SimplyClick | IDFC FIRST Select |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | = 10% (shopping) | = 10% (shopping) |
| Base reward rate | · 1.25% | 3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 600 reward points on ₹15K spend in first 90 days |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | ₹300,000 | · ₹600,000 |
| Min credit score | 700 | · 750 |
| Editorial rating | · 4.4/5 | 4.5/5 |
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
IDFC FIRST Select
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free — no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 1% fuel surcharge waiver
FAQ
›SBI SimplyClick vs IDFC FIRST Select: which is better?
IDFC FIRST Select wins on more dimensions (5 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, IDFC FIRST Select 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. IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days.