Head-to-head · 🇮🇳 India
SBI SimplyClick vs Standard Chartered Smart
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
Standard Chartered
Standard Chartered Smart
VISA
Wins 1 of 10
Verdict
SBI SimplyClick wins 5-1. First card for online buyers, low entry fee Standard Chartered Smart is still the right call if entry tier alternative — flat 2% on online spends..
Side-by-side
| Criterion | SBI SimplyClick | Standard Chartered Smart |
|---|---|---|
| Annual fee | = ₹499 | = ₹499 |
| Joining fee | = ₹499 | = ₹499 |
| Top reward rate | 10% (shopping) | · 2% (shopping) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = ₹500 Amazon voucher on first 30-day spend |
| Fee waiver threshold | ₹100,000 / yr | · ₹120,000 / yr |
| Min income | · ₹300,000 | ₹250,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.4/5 | · 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
Standard Chartered Smart
- 2% cashback on online spends (capped at ₹100/month)
- 1% cashback on offline + bill payments
- 1% fuel surcharge waiver
- Up to 15% off on partner restaurants (EazyDiner)
FAQ
›SBI SimplyClick vs Standard Chartered Smart: which is better?
SBI SimplyClick wins on more dimensions (5 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, Standard Chartered Smart 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. Standard Chartered Smart: ₹500 Amazon voucher on first 30-day spend.