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Side-by-Side Comparison|Updated March 2026

Delhi Metro SBI Card vs SBI Card - SimplyCLICK SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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SBI Card

SBI Card - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
NetworkVisa
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Feature-by-Feature Comparison

FeatureDelhi Metro SBI CardSBI Card - SimplyCLICK SBI Card
Annual Fee₹499₹499
Joining Fee₹499₹499
Fee Waiver Spend₹1,00,000₹1,00,000
Base Reward Rate0.25%0.0625%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating7.2/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

SBI Card - SimplyCLICK SBI Card

  • 0% on Partner Brands
  • 0% on All Other Online Spends

Pros & Cons

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

SBI Card - SimplyCLICK SBI Card

Pros

  • 10X reward points (2.5% value back) on online partners like Amazon, Apollo 24x7, BookMyShow, Cleartrip, Domino's, Myntra, Netmeds, and Yatra.
  • 5X reward points (1.25% value back) on all other online spends, making it highly effective for digital shoppers.
  • Milestone e-vouchers worth ₹2,000 each on reaching annual online spend targets of ₹1 Lakh and ₹2 Lakh.
  • Low annual fee of ₹499 which is waived on annual spends of ₹1 Lakh.

Cons

  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on offline transactions.
  • Reward points are not earned on rent payments, fuel, and wallet loads.

Our Verdict

Both Delhi Metro SBI Card and SBI Card - SimplyCLICK SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

Choose SBI Card - SimplyCLICK SBI Card if

High reward rates on major e-commerce platforms and partner brands.

Frequently Asked Questions

Which is better: Delhi Metro SBI Card or SBI Card - SimplyCLICK SBI Card?
Both Delhi Metro SBI Card and SBI Card - SimplyCLICK SBI Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Delhi Metro SBI Card and SBI Card - SimplyCLICK SBI Card?
Delhi Metro SBI Card has an annual fee of ₹499, while SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Delhi Metro SBI Card or SBI Card - SimplyCLICK SBI Card?
Delhi Metro SBI Card offers a base reward rate of 0.25% with accelerated rewards on Dining and Movies. SBI Card - SimplyCLICK SBI Card offers 0.0625% base rewards with bonuses on Partner Brands and All Other Online Spends. The better choice depends on your primary spending categories.
Can I have both Delhi Metro SBI Card and SBI Card - SimplyCLICK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Delhi Metro SBI Card and SBI Card - SimplyCLICK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Delhi Metro SBI Card or SBI Card - SimplyCLICK SBI Card?
For beginners, Delhi Metro SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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