Head-to-head · 🇮🇳 India
SBI SimplyClick vs SBI IRCTC Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
SBI Card
SBI IRCTC Premier
VISA
Wins 0 of 10
Verdict
SBI SimplyClick wins 5-0. First card for online buyers, low entry fee SBI IRCTC Premier is still the right call if heavy irctc train booking users..
Side-by-side
| Criterion | SBI SimplyClick | SBI IRCTC Premier |
|---|---|---|
| Annual fee | ₹499 | · ₹1,499 |
| Joining fee | ₹499 | · ₹1,499 |
| Top reward rate | = 10% (shopping) | = 10% (travel) |
| Base reward rate | = 1.25% | = 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 1,500 reward points + waived first-year fee on ₹1L spend |
| Fee waiver threshold | ₹100,000 / yr | · ₹200,000 / yr |
| Min income | = ₹300,000 | = ₹300,000 |
| Min credit score | 700 | · 740 |
| Editorial rating | 4.4/5 | · 3.9/5 |
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 IRCTC Premier
- 10% IRCTC reward points on train ticket bookings
- 1.25% on other spends
- 4 IRCTC lounge visits/year
- 1% transaction fee waiver on IRCTC site
FAQ
›SBI SimplyClick vs SBI IRCTC Premier: which is better?
SBI SimplyClick wins on more dimensions (5 vs 0). 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 IRCTC Premier 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 IRCTC Premier: 1,500 reward points + waived first-year fee on ₹1L spend.