Head-to-head · 🇮🇳 India
SBI SimplyClick vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 3 of 10
Verdict
SBI SimplyClick wins 6-3. First card for online buyers, low entry fee SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | SBI SimplyClick | SBI Aurum |
|---|---|---|
| Annual fee | ₹499 | · ₹9,999 |
| Joining fee | ₹499 | · ₹9,999 |
| Top reward rate | 10% (shopping) | · 4% (general) |
| Base reward rate | · 1.25% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹300,000 | · ₹3,500,000 |
| Min credit score | 700 | · 800 |
| 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
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›SBI SimplyClick vs SBI Aurum: 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, SBI Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.