Head-to-head · 🇮🇳 India
SBI SimplyClick vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 7 of 10
IN
SBI Card
SBI Air India Signature
VISA
Wins 2 of 10
Verdict
SBI SimplyClick wins 7-2. First card for online buyers, low entry fee SBI Air India Signature is still the right call if air india loyalists — highest miles earn on ai bookings..
Side-by-side
| Criterion | SBI SimplyClick | SBI Air India Signature |
|---|---|---|
| Annual fee | ₹499 | · ₹4,999 |
| Joining fee | ₹499 | · ₹4,999 |
| Top reward rate | 10% (shopping) | · 8% (travel) |
| Base reward rate | · 1.25% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 20,000 Air India reward points |
| Fee waiver threshold | ₹100,000 / yr | · ₹500,000 / yr |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 700 | · 780 |
| Editorial rating | 4.4/5 | · 4.3/5 |
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
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›SBI SimplyClick vs SBI Air India Signature: which is better?
SBI SimplyClick wins on more dimensions (7 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, SBI Air India 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. SBI Air India Signature: 20,000 Air India reward points.