SBI Cashback Credit Card vs SBI SimplyCLICK Credit Card
Last Updated : April 5, 2025, 5:25 p.m.
SBI Card offers various credit card options to cater to different spending habits and preferences. This article provides a comprehensive comparison between the SBI Cashback Credit Card and SBI SimplyCLICK Credit Card , helping you make an informed decision based on your needs. After you make a decision regarding which card to apply for, ensure that you meet the credit score criterion set down by the lender. So, before you apply for the card, you can get your free CIBIL score on Wishfin and also view your detailed CIBIL report.
Detailed Comparison of SBI Cashback Credit Card vs SBI SimplyCLICK Credit Card
Below is a comparative analysis of both cards across various parameters:
| Feature | SBI Cashback Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|
Joining Fee | Rs. 999 + GST | Rs. 499 + GST |
Annual Fee | Rs. 999 + GST | Rs. 499 + GST |
Annual Fee Waiver | On spends of Rs. 2 lakhs or more in the previous year | On spends of Rs. 1 lakh or more in the previous year |
Welcome Benefits | None | Amazon.in gift card worth Rs. 500 on payment of annual fee |
Rewards on Online Spending | 5% cashback on all online spends without restrictions on merchants | 10X reward points on online spends with exclusive partner merchants, such as:
5X reward points on all other online spends |
Rewards on Offline Spending | 1% cashback on all offline spends | 1 reward point per Rs. 100 spent |
Maximum cashback limit | Rs. 5,000 cashback per statement cycle | Cashback limit of Rs. 5,000 per monthly statement cycle |
Excluded categories for rewards | Utility, insurance, fuel, rent, wallet, school, and educational services, jewelry, railways, etc. | Standard exclusions apply |
Milestone Benefits | Only annual fee waiver as mentioned above | e-Vouchers of value Rs. 2,000 each on achieving annual online spends of Rs. 1 lakhs and Rs. 2 lakhs respectively (Cleartrip/Yatra) |
Fuel Surcharge Waiver | 1% on transactions between Rs.500 - Rs. 3,000; Maximum Rs. 100 per statement cycle | 1% on transactions between Rs. 500 - Rs. 3,000; Max Rs. 100 per statement cycle |
Reward Redemption | Auto-credited to card account within two days of statement generation | Can be redeemed as gift vouchers from various brands or converted to cash |
Contactless Payments | Supported (up to Rs. 5,000 per transaction) | Supported (up to Rs. 5,000 per transaction) |
Global Acceptance | Over 24 million outlets worldwide, including 3.25 lakh in India | Over 24 million outlets worldwide, including 3.25 lakh in India |
Add-on Cards | Available for family members above 18 years | Available for family members above 18 years |
Utility Bill Payment | Easy Bill Pay facility | Easy Bill Pay facility |
Balance Transfer on EMI | Available | Available |
FlexiPay Option | Available | Available |
Key Benefits Analysis
SBI Cashback Credit Card
The SBI Cashback Credit Card is designed for users who prefer straightforward cashback benefits without complicated reward systems. Its primary advantages include:
- Direct Cashback: Offers 5% cashback on all online purchases without merchant restrictions, making it versatile for various online shopping platforms.
- Simple Redemption: The cashback is automatically credited to your account within two days of statement generation, eliminating the need for manual redemption.
- Offline Benefits: Provides 1% cashback on all offline purchases, ensuring rewards regardless of where you shop.
- Higher Annual Fee Threshold: While the annual fee is higher (Rs. 999), it can be waived with annual spends of Rs. 2 Lakhs, which might be achievable for regular users.
SBI SimplyCLICK Credit Card
The SBI SimplyCLICK Credit Card is tailored for frequent online shoppers who use specific partner platforms. Its standout features include:
- Accelerated Rewards: Offers 10X reward points on transactions with exclusive partners like Apollo 24x7, BookMyShow, Cleartrip, Dominos, and others
- Welcome Gift: Provides an Amazon.in gift card worth Rs. 500 on payment of the annual fee.
- Milestone Benefits: Offers additional e-vouchers worth Rs. 2,000 each upon reaching annual online spends of Rs. 1 lakh and Rs. 2 lakhs respectively.
- Lower Annual Fee: Has a more affordable annual fee of Rs. 499, which is waived with annual spends of Rs. 1 lakh, making it easier to avoid the annual charge.
Potential Drawbacks
SBI Cashback Credit Card
- Higher Fees: Both joining and annual fees are higher at Rs.999 compared to SimplyCLICK's Rs. 499.
- Cashback Limit: The maximum cashback is capped at Rs. 5,000 per statement cycle.
- No Welcome Benefits: Unlike SimplyCLICK, this card doesn't offer any welcome benefits.
- Category Exclusions: Numerous categories are excluded from cashback benefits, including utilities, insurance, fuel, etc.
SBI SimplyCLICK Credit Card
- Partner-Specific Rewards: The highest rewards (10X points) are limited to specific partner merchants (Currently - Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, or Yatra, which may not align with everyone's shopping preferences.
- Reward Point System: Requires understanding the reward point conversion value, unlike direct cashback.
Which Card Is Right For You?
Choose SBI Cashback Credit Card if:
- You shop across various online platforms without loyalty to specific merchants
- You prefer direct cashback over reward points
- You spend significantly online and can easily reach the Rs. 2 lakhs annual threshold
- You value simplicity in reward redemption
Choose SBI SimplyCLICK Credit Card if:
- You frequently shop with the card's partner merchants
- You can utilize the welcome Amazon gift card
- Your annual spending is between Rs. 1-2 Lakh
- You appreciate milestone benefits like additional e-vouchers
- You prefer a lower annual fee
Current Promotions (April 2025)
As of April 2025, both cards maintain their standard offerings without significant special promotions. The SimplyCLICK card continues to offer its Amazon.in gift card worth Rs. 500 as a welcome benefit, while the Cashback card maintains its straightforward cashback structure.
Conclusion
Both the SBI Cashback Credit Card and SBI SimplyCLICK Credit Card offer compelling benefits for different types of spenders. The Cashback card excels with its straightforward rewards system and higher cashback rates across all online platforms, while the SimplyCLICK card provides enhanced benefits for those who shop frequently with partner merchants and can take advantage of its milestone rewards. Your choice ultimately depends on your spending patterns, preferred merchants, and whether you value simplicity (direct cashback) or potentially higher rewards through a point system with specific partners. Consider your annual credit card spending to determine which card's fee waiver threshold you're more likely to meet. For accurate and up-to-date information, visit the official SBI Card website or contact their customer service directly before making your decision.
Frequently Asked Questions (FAQs)
