SBI Cashback Credit Card vs SBI SimplyCLICK Credit Card
Detailed side-by-side comparison to help you pick the right card for your needs.
SBI Card
SBI Cashback Credit Card💰 Earn ₹2,240 cashback via EarnKaro
SBI Card
SBI SimplyCLICK Credit Card💰 Earn ₹2,240 cashback via EarnKaro
Side-by-Side Comparison
Annual Fee
₹999
₹499 Winner
Joining Fee
₹999
₹499 Winner
Fee Waiver
Waived on 2L spend
Waived on 1L spend
Cashback Rate
Up to 5% Winner
Up to 1.25%
Reward Rate
5% unlimited cashback online
10X rewards on Amazon, Apollo, Cleartrip
Lounge Access
No
No
Welcome Bonus
—
500 Amazon voucher
Min. Income
₹20,000/mo
₹20,000/mo
Credit Score
650+
650+
Best For
Online shoppers
Beginners & shoppers
SBI Cashback Credit Card
What we love
- 5% flat online cashback
- No merchant restrictions
- Auto-credit
Keep in mind
- No lounge
- 1% offline rate
SBI SimplyCLICK Credit Card
What we love
- Great for Amazon shoppers
- Low fee
- Easy waiver
Keep in mind
- No lounge
- Basic offline rewards
Frequently Asked Questions
Which is better: SBI Cashback Credit Card or SBI SimplyCLICK Credit Card?
Both cards are equally competitive across fees, cashback, and eligibility. Choose SBI Cashback Credit Card if you prefer online shoppers, or SBI SimplyCLICK Credit Card if you prefer beginners & shoppers.
What is the annual fee difference?
SBI Cashback Credit Card has an annual fee of ₹999 (Waived on 2L spend), while SBI SimplyCLICK Credit Card costs ₹499 (Waived on 1L spend) per year.
Can I apply for both cards?
Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.