Head-to-head · 🇮🇳 India
SBI SimplyClick vs SBI ELITE
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 ELITE
Wins 2 of 10
Verdict
SBI SimplyClick wins 6-2. First card for online buyers, low entry fee SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | SBI SimplyClick | SBI ELITE |
|---|---|---|
| Annual fee | ₹499 | · ₹4,999 |
| Joining fee | ₹499 | · ₹4,999 |
| Top reward rate | 10% (shopping) | · 2% (general) |
| Base reward rate | · 1.25% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹300,000 | · ₹600,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
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
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›SBI SimplyClick vs SBI ELITE: which is better?
SBI SimplyClick wins on more dimensions (6 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 ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.