When it comes to beginner-friendly credit cards from SBI, two popular options often come up โ SBI Cashback Credit Card and SBI SimplyCLICK Credit Card. Both are designed for online shoppers, but they offer different benefits in terms of cashback structure, fees, and eligibility. If youโre unsure which one suits your lifestyle better, this detailed comparison will help you decide.
Quick Comparison Table
| Feature | SBI Cashback Credit Card | SBI SimplyCLICK Credit Card |
| Annual Fee | โน999 (Waived on โน1L spend) | โน499 (Waived on โน1L spend) |
| Cashback/Rewards | 5% on online (non-wallet, non-IRCTC), 1% others | 1.25% on online, 0.25% offline + 5X rewards on partner brands |
| Welcome Benefit | None | โน500 Amazon voucher |
| Lounge Access | No | No |
| Best For | Heavy online spenders | Beginners, Amazon users |
Fees and Charges
SBI Cashback Credit Card charges an annual fee of โน999, which is reversed if you spend โน1,00,000 or more in a year.
SBI SimplyCLICK Credit Card comes with a lower annual fee of โน499, also waived on annual spends of โน1,00,000.
If you want a more affordable card to start with, SimplyCLICK is the better choice.
Cashback & Rewards Structure
ย 1. SBI Cashback Credit Card
- 5% cashback on most online transactions (excluding wallet reloads, fuel, IRCTC)
- 1% cashback on all other eligible spends
- Cashback is auto-credited to the statement โ no points to track
ย 2. SBI SimplyCLICK Credit Card
- 1.25% reward points on all online transactions
- 0.25% reward points on offline spends
- 5X rewards on partner brands: Amazon, BookMyShow, Cleartrip, etc. (1 reward point = โน0.25 approx.)
SBI Cashback offers flat and higher returns, ideal for users who shop on multiple websites. SimplyCLICK works better for Amazon-heavy shoppers who value reward points.
Welcome Benefits
SBI SimplyCLICK gives a welcome gift: a โน500 Amazon gift voucher on card activation and first spend.
SBI Cashback offers no welcome bonus or joining benefit.
If initial value matters to you, SimplyCLICK is the better pick.
Eligibility Criteria
Both cards have similar eligibility benchmarks:
- Age: 21 to 60 years
- Minimum monthly income: Around โน20,000 (varies slightly based on profile)
- CIBIL score: 700+ recommended
- Documents: PAN, Aadhaar, salary slip or IT return, passport-size photo
If your income or credit score is low, SBI SimplyCLICK is more beginner-friendly.
Other Features & Limitations
Neither of the two cards offers airport lounge access, travel benefits, or concierge services. They're strictly designed for cashback and online rewards.
- Fuel surcharge waiver: Available on both cards (1% waiver on transactions between โน500โโน3,000)
- EMI conversion: Available for eligible purchases on both cards
If youโre looking for travel, dining, or lifestyle perks, these cards wonโt be a fit.
Which Card Should You Choose?
1. Choose SBI Cashback Credit Card if:
- You spend โน10,000+ per month online
- You shop across multiple platforms (not just Amazon)
- You want simple flat cashback with no reward tracking
- You can meet the โน1L spend to waive the annual fee
2. Choose SBI SimplyCLICK Credit Card if:
- Youโre new to credit cards
- You shop mostly on Amazon, BookMyShow, etc.
- You prefer a lower fee and a welcome voucher
- You like collecting and redeeming reward points
Final Verdict
Both credit cards from SBI serve slightly different user segments:
- The SBI Cashback Credit Card is ideal for frequent online shoppers who value flat cashback with no complicated reward conversions. Though it has a higher annual fee, it gives superior cashback returns on most online spends.
- The SBI SimplyCLICK Credit Card is a better fit for beginners, occasional online shoppers, and Amazon loyalists. It has a lower fee, welcome gift, and reward-based structure that makes it suitable for first-time users.
If you want maximum cashback on diverse platforms, go for SBI Cashback. If you want a safe entry-level card, SimplyCLICK is your best bet.
