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Comparison · हिन्दी

SBI Cashback vs SBI SimplyCLICK

Both cards compared on real rupee returns for best SBI entry level online credit card India. We ran the numbers so you can make the right call.

Updated · Terms checked by Prashant Parikh
SBI
CASHBACK
ASHOK KUMAR
VS
SBI
SIMPLYCLICK
ASHOK KUMAR
Our verdict
SBI Cashback Credit Card wins for most people
SBI Cashback wins decisively with ₹5,601 annual benefit versus ₹1,091 for SBI SimplyCLICK. Its flat 5% online cashback far outpaces SimplyCLICK's variable rewards structure for this typical spend profile.
Side-by-side comparison
SBI Cashback Credit Card ✓ SBI SimplyCLICK Credit Card
Annual benefit ₹5,601 ₹1,091
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (waived on ₹2L spend) ₹499 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Flat 5% on all online spends up to ₹40,000/month Online spend with SBI relationship
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
SBI Cashback Credit Card
SBI Cashback excels when you make consistent online purchases across non-partner retailers. Its uncapped 5% online cashback (up to ₹2,000/month cap) beats SimplyCLICK's lower rates on non-partner brands.
SBI SimplyCLICK Credit Card
SBI SimplyCLICK suits users heavily skewed toward partner brands like Swiggy, Myntra, and BookMyShow. The 10X points (2.5%) on these platforms partially offsets its lower baseline rewards, though it still underperforms here.
Who should get which card
Get SBI Cashback if you…
· High online shoppers seeking straightforward flat-rate cashback
· Those spending ₹2L+ annually to waive the ₹999 fee easily
· Buyers from non-partner e-commerce sites
Get SBI SimplyCLICK if you…
· Frequent Swiggy and Myntra users with partner-heavy spending
· Budget-conscious cardholders prioritizing lower ₹499 annual fee
· Those with minimal online transaction needs
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
Axis ACE vs SBI Cashback →HDFC Millennia vs SBI Cashback →SBI Card PRIME vs SBI Cashback →SBI Card PULSE vs SBI SimplyCLICK →Best Shopping Credit Cards →Best Cashback Credit Cards →Best Credit Cards for Amazon and Flipkart →
Frequently asked questions
Based on our analysis, SBI Cashback Credit Card offers better annual returns for most spend profiles.
SBI Cashback Credit Card has an annual fee of ₹999 + taxes (waived on ₹2L spend). SBI SimplyCLICK Credit Card has an annual fee of ₹499 + taxes (waived on ₹1L spend).
SBI Cashback Credit Card offers 5% cashback on online spends (capped ₹2,000/month); 1% on offline (capped ₹2,000/month); total cap ₹4,000/month. SBI SimplyCLICK Credit Card offers 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1.
SBI Cashback Credit Card lounge access: No. SBI SimplyCLICK Credit Card lounge access: No.
SBI Cashback Credit Card charges 3.5% forex markup. SBI SimplyCLICK Credit Card charges 3.5% forex markup.