SBI Card is one of the top credit card issuers in the country, offering some of the best credit cards available. The SBI SimplyClick Credit Card and the Cashback SBI Credit Card are two popular options for saving money on everyday spending.
If you are looking for an entry-level shopping credit card that offers you reward points while shopping, then the SBI SimplyClick Credit Card is the right choice, but if you are looking for simple and straightforward cashback, then the SBI Cashback Credit Card is a great option.
When choosing between two credit cards, it’s important to look at the specific benefits each card offers. Each card has unique features that meet different needs, so understanding these can help you make a better choice. For example, the SBI SimplyClick Credit Card offers reward points for shopping, making it a great option for frequent shoppers. If you prefer cashback, the SBI Cashback Credit Card offers 5% cashback for online spends up to ₹2,000 and 1% cashback for offline spends up to ₹2,000, with a maximum cashback of ₹4,000 in each statement cycle.
Both credit cards offer excellent benefits, so we will compare both cards. We will examine the key features and advantages of the SBI SimplyClick and SBI Cashback credit cards to help you choose the right option for your spending needs.
Fee Structure
When applying for a credit card, the first factors most applicants consider are the fees and the benefits associated with the card. This table compares the fees for the SBI SimplyClick Credit Card and the SBI Cashback Credit Card. It highlights important cost details, such as joining and renewal fees, welcome benefits, and the conditions under which fees can be waived based on spending. This will help users to easily understand and compare the costs of each card.
| Particulars | SBI SimplyClick | SBI Cashback |
| Joining fee | ₹499 + GST | ₹999 + GST |
| Renewal Fee | ₹499 + GST | ₹999 + GST |
| Welcome Benefits | Amazon Gift Card Worth ₹500 | N/A |
| Spend-Based Waiver | Annual Charges Waived on Spends of ₹1 Lakh | Annual Charges Waived on Spends of ₹2 Lakh |
Which Card Offers the Most Value for Joining Fees?
When choosing between the SBI SimplyCLICK Credit Card and the SBI Cashback Credit Card, consider your spending habits. The SimplyCLICK card is better for beginners or moderate spenders because it has a lower joining fee of ₹499 + GST and offers a ₹500 Amazon gift voucher as a welcome bonus. It also gives you more reward points, offering 10X points on partner brands and 5X points on other online spends, plus milestone vouchers worth up to ₹4,000 each year.
The Cashback SBI Card has a higher joining fee of ₹999 + GST, but the SBI Cashback Credit Card offers 5% cashback on online spends up to ₹2,000 and 1% on offline spends up to ₹2,000, with a maximum cashback of ₹4,000 per statement cycle.
If you want good value for the joining fee, choose SimplyCLICK. However, if you spend a lot online consistently, the Cashback card may provide more benefits despite its higher fee.
Reward Structure
| Feature | SBI SimplyCLICK | SBI Cashback |
| Reward Type | Reward points | Cashback |
| Accelerated Rewards | 10X Reward Points on Partner Brands (Apollo 24×7, Swiggy, Gyftr, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, and Yatra), 5X Reward Points on Online Purchases, and 1 Reward Point/₹100 Spent on Other Purchases | 5% cashback on online spends (capped at ₹2,000) |
| Offline / Other Spend | 1 reward point per ₹100 | 1% cashback on offline spend (capped at ₹2,000) |
| Reward Value | 1 reward point = ₹0.25 | Cashback will be directly credited to the bank account |
| Milestone Benefit | ₹2,000 gift card at ₹1 Lakh and ₹2 Lakh annual online spend | N/A |
When we compare both the credit cards, the SBI Cashback Credit Card is often a better choice than the SBI SimplyCLICK Credit Card because it offers clearer and more valuable benefits. It offers 5% cashback on online spends up to ₹2,000 and 1% cashback on offline spends up to ₹2,000, with a maximum cashback of ₹4,000 per statement cycle. This means users save without having to count reward points or worry about how to redeem them.
On the other hand, the SimplyCLICK card offers 5X–10X reward points with certain partner brands. However, each point is only worth ₹0.25, which is a lower overall return unless you frequently shop with those brands or reach certain spending milestones.
For most people looking for consistent rewards, straightforward options, and better value, the SBI Cashback Credit Card is the smarter choice.
Reward Redemption
The SBI SimplyClick Credit Card allows you to earn reward points for every purchase you make. Each point you earn is worth ₹0.25, which can be accumulated and redeemed later. However, managing and using these points requires some effort, as you need to keep track of how many points you have and when to redeem them.
On the other hand, the SBI Cashback Credit Card offers a more straightforward benefit: direct cashback. With this card, you receive cashback that is credited directly to your bank account. This means you don’t have to remember points or deal with redemptions; the money simply appears in your account, making it more convenient for everyday use.
Bottom Line
The SBI Cashback Credit Card is a great choice for many users because it’s straightforward and offers good returns. Unlike other cards that require you to track points and figure out their value, this card gives you direct cashback that automatically goes into your account. This makes it really simple to see how much you’re saving.
With this card, you earn 5% cashback on online spends up to ₹2,000 and 1% cashback on offline spends up to ₹2,000, with a maximum cashback of ₹4,000 per statement cycle. This means you get consistent rewards for your everyday spending. Although the card has a higher joining fee, frequent online shoppers can quickly make up for that cost with the cashback they earn over time.
On the other hand, the SBI SimplyCLICK Credit Card requires you to pay attention to partner offers and manage your reward redemptions to get similar benefits, which can be more complicated.
If you like straightforward rewards, easy savings, and a hassle-free credit card experience, the SBI Cashback Credit Card is clearly a better and more practical option.