SBI Card offers some of the most popular credit cards in India. Two well-known options for online shoppers are the SBI SimplyCLICK Credit Card and the SBI Cashback Credit Card.
Both cards are designed to help users save money while shopping. However, the way they provide rewards is different. The SBI SimplyCLICK Credit Card offers reward points on online purchases, while the SBI Cashback Credit Card provides direct cashback on spending.
If you are confused about which card to choose, this detailed comparison will help you understand the fees, rewards, and benefits of both cards.
You can also explore more best cashback credit cards before applying.
SBI SimplyCLICK vs SBI Cashback Credit Card – Key Comparison
Fee Structure
When choosing a credit card, the first things most users check are joining fees, annual fees, and fee waiver conditions.
The SBI SimplyCLICK Credit Card has a lower joining and annual fee, which makes it a good option for beginners. Meanwhile, the SBI Cashback Credit Card has a higher fee but offers stronger cashback rewards.
Joining Benefits and Value
Both cards provide different types of value for their joining fees.
SBI SimplyCLICK Credit Card
- ₹500 Amazon gift card as a welcome benefit
- Lower joining fee of ₹499 + GST
- Reward points on partner brands and online shopping
SBI Cashback Credit Card
- Higher joining fee of ₹999 + GST
- No welcome gift
- Strong cashback benefits on online purchases
For users who want instant value through welcome benefits, the SimplyCLICK card may look attractive. However, for regular online shoppers, the cashback card may provide better long-term value.
Reward Structure Comparison
The biggest difference between the two cards is how rewards are earned.
The SBI SimplyCLICK Credit Card provides higher reward points for partner brands, such as:
- Apollo 24×7
- Swiggy
- Myntra
- BookMyShow
- Cleartrip
- Yatra
However, the value of each reward point is ₹0.25, which means the overall reward rate may be lower unless you frequently shop on these partner platforms.
The SBI Cashback Credit Card offers a flat cashback system, making it easier for users to understand and track their rewards.
Reward Redemption
Another important factor when choosing a credit card is how easy it is to redeem rewards.
SBI SimplyCLICK Credit Card
- Users earn reward points for spending
- Points must be tracked and redeemed manually
- Each point has a value of ₹0.25
This means users need to manage their reward points and decide when to redeem them.
SBI Cashback Credit Card
- Cashback is automatically credited
- No need to track points
- Rewards are simple and transparent
For most users, direct cashback is easier to understand and manage compared to reward points.
Quick Comparison
Which Credit Card Should You Choose?
The best card depends on your spending habits.
Choose SBI SimplyCLICK Credit Card if
- You frequently shop on partner brands
- You prefer reward points and milestone benefits
- You want a lower annual fee credit card
Choose SBI Cashback Credit Card if
- You shop online regularly
- You want simple cashback instead of reward points
- You prefer easy and automatic rewards
Bottom Line
The SBI Cashback Credit Card is often the better option for most users because it offers straightforward rewards and higher cashback on online spending. Users do not need to track reward points or worry about redemption.
With 5% cashback on online spending and 1% on offline spending, it provides consistent savings for everyday purchases.
The SBI SimplyCLICK Credit Card can still be a good option for people who shop frequently on partner platforms and want to earn extra reward points and milestone gift cards.
However, if you prefer simple rewards, easy tracking, and better overall value, the SBI Cashback Credit Card is usually the smarter choice.
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