Head-to-head · 🇮🇳 India
SBI SimplyClick vs Kotak Royale Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 7 of 10
IN
Kotak Mahindra
Kotak Royale Signature
VISA
Wins 0 of 10
Verdict
SBI SimplyClick wins 7-0. First card for online buyers, low entry fee Kotak Royale Signature is still the right call if mid-tier shopping/dining card with solid fee waiver economics..
Side-by-side
| Criterion | SBI SimplyClick | Kotak Royale Signature |
|---|---|---|
| Annual fee | ₹499 | · ₹999 |
| Joining fee | ₹499 | · ₹999 |
| Top reward rate | 10% (shopping) | · 4% (shopping) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 2,000 reward points worth ₹500 + Pizza Hut voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹250,000 / yr |
| Min income | = ₹300,000 | = ₹300,000 |
| Min credit score | 700 | · 740 |
| 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
Kotak Royale Signature
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
FAQ
›SBI SimplyClick vs Kotak Royale Signature: which is better?
SBI SimplyClick wins on more dimensions (7 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, Kotak Royale Signature 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. Kotak Royale Signature: 2,000 reward points worth ₹500 + Pizza Hut voucher.