Head-to-head · 🇮🇳 India
SBI SimplyClick vs IndusInd Pinnacle
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
IN
Premium
IndusInd Bank
IndusInd Pinnacle
VISA
Wins 2 of 10
Verdict
SBI SimplyClick wins 6-2. First card for online buyers, low entry fee IndusInd Pinnacle is still the right call if high-end indusind offering — niche but well-regarded..
Side-by-side
| Criterion | SBI SimplyClick | IndusInd Pinnacle |
|---|---|---|
| Annual fee | ₹499 | · ₹12,999 |
| Joining fee | ₹499 | · ₹12,999 |
| Top reward rate | 10% (shopping) | · 2.5% (general) |
| Base reward rate | · 1.25% | 2.5% |
| Forex markup | · 3.5% | 1.8% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = Premium watch + 12,999 reward points |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹300,000 | · ₹2,500,000 |
| Min credit score | 700 | · 800 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
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
IndusInd Pinnacle
- 2.5 reward points per ₹100
- Unlimited domestic + 6 international lounge visits/quarter
- BMW Drive privilege
- Concierge + golf at 250+ courses
- 1.8% forex markup
FAQ
›SBI SimplyClick vs IndusInd Pinnacle: which is better?
SBI SimplyClick wins on more dimensions (6 vs 2). 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 Pinnacle 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 Pinnacle: Premium watch + 12,999 reward points.