Head-to-head · 🇮🇳 India
SBI SimplyClick vs IRCTC SBI Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 8 of 10
IN
SBI Card
IRCTC SBI Premier
RuPay
Wins 0 of 10
Verdict
SBI SimplyClick wins 8-0. First card for online buyers, low entry fee IRCTC SBI Premier is still the right call if frequent rail travelers — 10% irctc train ticket value back..
Side-by-side
| Criterion | SBI SimplyClick | IRCTC SBI Premier |
|---|---|---|
| Annual fee | ₹499 | · ₹1,499 |
| Joining fee | ₹499 | · ₹1,499 |
| Top reward rate | = 10% (shopping) | = 10% (travel) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | 3.5% | · 4% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 1,500 IRCTC reward points |
| Fee waiver threshold | ₹100,000 / yr | · ₹200,000 / yr |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | 700 | · 720 |
| 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
IRCTC SBI Premier
- 10% rewards on IRCTC train ticket bookings
- 4 reward points per ₹125 on dining + groceries
- Up to 5% railway lounge access discount
- 8 complimentary domestic airport lounge visits/year
- 4% forex markup (high — not for international)
FAQ
›SBI SimplyClick vs IRCTC SBI Premier: 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, IRCTC SBI Premier 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. IRCTC SBI Premier: 1,500 IRCTC reward points.