Head-to-head · 🇮🇳 India
SBI SimplyClick vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
VISA
Wins 3 of 10
Verdict
SBI SimplyClick wins 6-3. First card for online buyers, low entry fee Kotak White Reserve is still the right call if premium dining + travel without breaking the ₹3k-fee tier..
Side-by-side
| Criterion | SBI SimplyClick | Kotak White Reserve |
|---|---|---|
| Annual fee | ₹499 | · ₹3,000 |
| Joining fee | ₹499 | · ₹3,000 |
| Top reward rate | 10% (shopping) | · 4% (dining) |
| Base reward rate | · 1.25% | 1.5% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 5,000 reward points + Marriott Bonvoy Silver Elite |
| Fee waiver threshold | ₹100,000 / yr | · ₹600,000 / yr |
| Min income | ₹300,000 | · ₹1,800,000 |
| Min credit score | 700 | · 780 |
| Editorial rating | · 4.4/5 | 4.6/5 |
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 White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
FAQ
›SBI SimplyClick vs Kotak White Reserve: which is better?
SBI SimplyClick wins on more dimensions (6 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, Kotak White Reserve 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 White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite.