Head-to-head · 🇮🇳 India
SBI SimplyClick vs IndusInd Iconia Amex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
Premium
IndusInd Bank
IndusInd Iconia Amex
AMERICAN
EXPRESS
EXPRESS
Wins 3 of 10
Verdict
SBI SimplyClick wins 5-3. First card for online buyers, low entry fee IndusInd Iconia Amex is still the right call if mid-premium amex with annual-fee waiver from year 2..
Side-by-side
| Criterion | SBI SimplyClick | IndusInd Iconia Amex |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | ₹499 | · ₹3,500 |
| Top reward rate | 10% (shopping) | · 5% (shopping) |
| Base reward rate | · 1.25% | 1.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 4,000 reward points + Yatra voucher |
| Fee waiver threshold | · ₹100,000 / yr | N/A (no fee) |
| Min income | ₹300,000 | · ₹600,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | 4.4/5 | · 4.2/5 |
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
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
FAQ
›SBI SimplyClick vs IndusInd Iconia Amex: which is better?
SBI SimplyClick 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, IndusInd Iconia Amex 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. IndusInd Iconia Amex: 4,000 reward points + Yatra voucher.