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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Star Card SELECT 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

SBI Card - Tata Star Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkMastercard
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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

FeatureSBI Card - Tata Star Card SELECTSBI Card - SimplyCLICK SBI Card
Annual Fee₹2,999₹499
Joining Fee₹2,999₹499
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%0.0625%
Reward CurrencyReward PointReward Points
NetworkMastercardVisa
Editor Rating7.8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Star Card SELECT

  • 0% on Groceries
  • 0% on Dining
  • 0% on International

SBI Card - SimplyCLICK SBI Card

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

Pros & Cons

SBI Card - Tata Star Card SELECT

Pros

  • Exceptional 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • High 3.5% value back on all spends at Star Bazaar outlets.
  • Up to 5% value back at select Tata retail outlets like Westside and Croma.
  • Generous welcome and milestone vouchers that can fully offset the annual fee.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakhs.
  • Rewards and benefits are heavily concentrated within the Tata ecosystem.
  • No complimentary international lounge access despite the premium fee.

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

SBI Card - Tata Star Card SELECT edges ahead overall with a stronger combination of rewards and value. However, SBI Card - SimplyCLICK SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose SBI Card - Tata Star Card SELECT if

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, and other Tata brands.

Choose SBI Card - SimplyCLICK SBI Card if

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

Frequently Asked Questions

Which is better: SBI Card - Tata Star Card SELECT or SBI Card - SimplyCLICK SBI Card?
SBI Card - Tata Star Card SELECT edges ahead overall with a stronger combination of rewards and value. However, SBI Card - SimplyCLICK SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Star Card SELECT and SBI Card - SimplyCLICK SBI Card?
SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999, while SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499. SBI Card - Tata Star Card SELECT offers a fee waiver on ₹3,00,000 annual spend. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Star Card SELECT or SBI Card - SimplyCLICK SBI Card?
SBI Card - Tata Star Card SELECT offers a base reward rate of 1% with accelerated rewards on Groceries and Dining. 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 SBI Card - Tata Star Card SELECT and SBI Card - SimplyCLICK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Star Card SELECT and SBI Card - SimplyCLICK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Star Card SELECT or SBI Card - SimplyCLICK SBI Card?
For beginners, SBI Card - SimplyCLICK 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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