Head-to-head · 🇮🇳 India
SBI SimplyClick vs SBI Cashback
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 7 of 10
IN
SBI Card
SBI Cashback
VISA
Wins 1 of 10
Verdict
SBI SimplyClick wins 7-1. First card for online buyers, low entry fee SBI Cashback is still the right call if pure online cashback — 5% on any online merchant, no partner restrictions..
Side-by-side
| Criterion | SBI SimplyClick | SBI Cashback |
|---|---|---|
| Annual fee | ₹499 | · ₹999 |
| Joining fee | ₹499 | · ₹999 |
| Top reward rate | 10% (shopping) | · 5% (shopping) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = Cashback offsets joining fee on first ₹999+ spend |
| Fee waiver threshold | ₹100,000 / yr | · ₹200,000 / yr |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | 700 | · 750 |
| 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 Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
FAQ
›SBI SimplyClick vs SBI Cashback: which is better?
SBI SimplyClick wins on more dimensions (7 vs 1). 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 Cashback for online shopping. 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 Cashback: Cashback offsets joining fee on first ₹999+ spend.