Head-to-head · 🇮🇳 India
SBI SimplyClick vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 7 of 10
IN
SBI Card
SBI Prime
Wins 0 of 10
Verdict
SBI SimplyClick wins 7-0. First card for online buyers, low entry fee SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | SBI SimplyClick | SBI Prime |
|---|---|---|
| Annual fee | ₹499 | · ₹2,999 |
| Joining fee | ₹499 | · ₹2,999 |
| Top reward rate | 10% (shopping) | · 5% (shopping) |
| Base reward rate | = 1.25% | = 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | ₹100,000 / yr | · ₹300,000 / yr |
| Min income | ₹300,000 | · ₹480,000 |
| Min credit score | 700 | · 750 |
| Editorial rating | 4.4/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›SBI SimplyClick vs SBI Prime: which is better?
SBI SimplyClick wins on more dimensions (7 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).