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