Head-to-head · 🇮🇳 India
SBI SimplyClick vs Standard Chartered Ultimate
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
IN
Premium
Standard Chartered
Standard Chartered Ultimate
VISA
Wins 1 of 10
Verdict
SBI SimplyClick wins 6-1. First card for online buyers, low entry fee Standard Chartered Ultimate is still the right call if best general earn-rate at the ₹5k fee tier..
Side-by-side
| Criterion | SBI SimplyClick | Standard Chartered Ultimate |
|---|---|---|
| Annual fee | ₹499 | · ₹5,000 |
| Joining fee | ₹499 | · ₹5,000 |
| Top reward rate | 10% (shopping) | · 3.3% (general) |
| Base reward rate | · 1.25% | 3.3% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 6,000 reward points + ₹1,000 voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹300,000 | · ₹1,500,000 |
| Min credit score | 700 | · 780 |
| 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
Standard Chartered Ultimate
- 5 reward points per ₹150 (effectively 3.3%)
- 4 complimentary international lounge visits/year
- BookMyShow buy-1-get-1
- 1% fuel surcharge waiver
- Comprehensive travel + purchase insurance
FAQ
›SBI SimplyClick vs Standard Chartered Ultimate: which is better?
SBI SimplyClick wins on more dimensions (6 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 Ultimate 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. Standard Chartered Ultimate: 6,000 reward points + ₹1,000 voucher.