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SBI Simply Click vs Cashback Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

SBI Simply Click Credit Card versus SBI Cashback Credit Card compared
FeatureSBI Simply Click Credit CardSBI Simply Click Credit CardState Bank of India5 recent changes →
SBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards0.25% on most spends; 2.5% only at partner merchants1% base, up to 5% on online shopping
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping0.25%; 2.5% only at Apollo 24x7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata CLiQ5%
Dining and food delivery0.25%1%
Groceries0.25%1%
Travel: flights, hotels, trains0.25%1%
FuelsameEarns nothingEarns nothing
Bills and recharges0.25%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums0.25%Earns nothing
School and college fees0.25%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency0.25%1%
Everything else0.25%1%
Card identity
Card typesameShoppingShopping
NetworksameVisaVisa
Card tierEntryMid
Fees
Joining fee₹499 + GST₹999 + GST
Annual fee₹499 + GST₹999 + GST
Fee waived at₹1,00,000₹2,00,000
Eligibility
Employment typesameBOTHBOTH
Min credit score720650
Rewards
Reward typeReward pointsCashback
Point value₹0₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver capsame₹100₹100
Forex and international
Forex markupsame3.5%3.5%
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
EligibilityAge: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 25,000 Self Employed: ITR > Rs 4,80,000/annum Credit Score: 720+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicantsAge: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants
Documents neededID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slipsID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
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Worth in Rupees at ₹20,000 a Month

SBI Simply Click Credit Card
Rewards a year
₹600
Fee a year
₹0
You keep
₹600
SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend, SBI Cashback Credit Card comes out ₹4,200 a year ahead of SBI Simply Click Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

SBI Simply Click Credit Card
  • Young online shoppers
  • First-time card users
  • Swiggy and Myntra regulars
SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites

Watch-Outs

SBI Simply Click Credit Card
  • Only about 0.2% on offline spends
  • No points on fuel, rent, wallets or EMIs
  • No lounge access
  • 3.5% forex fee
SBI Cashback Credit Card
  • No cashback on utilities, insurance, fuel, rent, wallets or EMIs
  • 5% stops after Rs 40,000 online spend a month
  • No airport lounge access
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (SBI Simply Click Credit Card, SBI Cashback Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, SBI Simply Click Credit Card or SBI Cashback Credit Card?

SBI Simply Click Credit Card. SBI Simply Click Credit Card: ₹499; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Simply Click Credit Card has the lowest forex markup. SBI Simply Click Credit Card: 3.5%; SBI Cashback Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: SBI Cashback Credit Card 1%, SBI Simply Click Credit Card 0.25%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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