Head-to-head · 🇮🇳 India
SBI SimplyClick vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 4 of 10
IN
IDFC FIRST Bank
IDFC FIRST Wow
VISA
Wins 5 of 10
Verdict
IDFC FIRST Wow wins 5-4. Secured card backed by FD — accessible to thin-credit-file applicants. SBI SimplyClick is still the right call if first card for online buyers, low entry fee.
Side-by-side
| Criterion | SBI SimplyClick | IDFC FIRST Wow |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | 10% (shopping) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | · ₹300,000 | — |
| Min credit score | · 700 | 600 |
| 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
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›SBI SimplyClick vs IDFC FIRST Wow: which is better?
IDFC FIRST Wow wins on more dimensions (5 vs 4). 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 Wow 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 Wow: Lifetime free + 600 points on first transaction.