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Side-by-Side Comparison|Updated August 2026

SBI Cashback Card vs SimplyCLICK SBI Card

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

State Bank of India

SBI Cashback Card

9/10
Annual Fee₹999
Base Rewards1%
NetworkVisa
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State Bank of India

SimplyCLICK SBI Card

8/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Cashback CardSimplyCLICK SBI Card
Annual Fee₹999₹499
Joining Fee₹999₹499
Fee Waiver Spend₹2,00,000₹1,00,000
Base Reward Rate1%0.25%
Reward CurrencyCashbackReward Points
NetworkVisaVisa
Editor Rating9/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Cashback Card

  • 5% on Online — 2000 pts/month

SimplyCLICK SBI Card

  • 2.5% on Apollo 24|7 — 10000 pts/month
  • 2.5% on BookMyShow — 10000 pts/month
  • 2.5% on Cleartrip — 10000 pts/month
  • 2.5% on Domino's — 10000 pts/month
  • 2.5% on GyFTR — 10000 pts/month
  • 2.5% on IGP — 10000 pts/month
  • 2.5% on Myntra — 10000 pts/month
  • 2.5% on Netmeds — 10000 pts/month
  • 2.5% on Swiggy — 10000 pts/month
  • 2.5% on Tata CLiQ — 10000 pts/month
  • 2.5% on Yatra — 10000 pts/month
  • 1.25% on Online — 10000 pts/month

Pros & Cons

SBI Cashback Card

Pros

  • Flat 5% cashback (5 points per Rs. 100, valued 1:1) on all online spends with no merchant restriction, one of the simplest high online cashback cards.
  • 1% cashback on offline spends and automatic credit of cashback to the card account, no redemption hassle.
  • Low Rs. 999 annual fee that is waived on Rs. 2,00,000 of annual spend.
  • Cashback is straightforward Rupee value (Re. 1 per point), avoiding the low point valuations of typical reward cards.

Cons

  • Online cashback is capped at 2,000 points (Rs. 2,000) per month, so 5% applies only to about Rs. 40,000 of monthly online spend.
  • No airport lounge access of any kind.
  • High 3.5% forex markup makes overseas spending expensive.

SimplyCLICK SBI Card

Pros

  • 10X earning (10 points per Rs. 100) on partner online merchants (Swiggy, Myntra, BookMyShow, Cleartrip, Apollo 24|7 and more), plus 5X on all other online spends.
  • Very low Rs. 499 annual fee that is waived on just Rs. 1,00,000 of annual spend.
  • Welcome Rs. 500 Amazon Pay gift card on paying the first-year fee, effectively offsetting most of the fee.
  • Annual Cleartrip/Yatra e-vouchers worth Rs. 2,000 at Rs. 1 lakh and another Rs. 2,000 at Rs. 2 lakh online spend (up to Rs. 4,000).

Cons

  • Online accelerated earning is capped at 10,000 points per month, and points are valued at only Re. 0.25.
  • Weak base rate of 1 point per Rs. 100 (about 0.25% back) on offline spends.
  • No airport lounge access of any kind and a high 3.5% forex markup.

Our Verdict

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

Choose SBI Cashback Card if

Someone who does most spending online and wants a hassle-free flat 5% cashback (up to Rs. 2,000/month) credited automatically, easily clearing the Rs. 2 lakh fee-waiver mark.

Choose SimplyCLICK SBI Card if

Someone who shops with partner merchants like Swiggy, Myntra and BookMyShow and wants 10X earning plus annual travel vouchers on a very low Rs. 499 fee.

Frequently Asked Questions

Which is better: SBI Cashback Card or SimplyCLICK SBI Card?
SBI Cashback Card edges ahead overall with a stronger combination of rewards and value. However, 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 Cashback Card and SimplyCLICK SBI Card?
SBI Cashback Card has an annual fee of ₹999, while SimplyCLICK SBI Card has an annual fee of ₹499. SBI Cashback Card offers a fee waiver on ₹2,00,000 annual spend. SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: SBI Cashback Card or SimplyCLICK SBI Card?
SBI Cashback Card offers a base reward rate of 1% with accelerated rewards on Online. SimplyCLICK SBI Card offers 0.25% base rewards with bonuses on Apollo 24|7 and BookMyShow. The better choice depends on your primary spending categories.
Can I have both SBI Cashback Card and SimplyCLICK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Cashback Card and SimplyCLICK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Cashback Card or SimplyCLICK SBI Card?
For beginners, 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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