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Side-by-Side Comparison|Updated March 2026

SBI Card - SimplyCLICK SBI Card vs Apollo 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 - SimplyCLICK SBI Card

7.5/10
Annual Fee₹499
Base Rewards0.0625%
NetworkVisa
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SBI Card

Apollo SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureSBI Card - SimplyCLICK SBI CardApollo SBI Card
Annual Fee₹499₹499
Joining Fee₹499₹499
Fee Waiver Spend₹1,00,000₹1,00,000
Base Reward Rate0.0625%0.25%
Reward CurrencyReward PointsReward Points
NetworkVisaMastercard
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - SimplyCLICK SBI Card

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

Apollo SBI Card

  • 0% on Apollo Services
  • 0% on Dining, Movies & Entertainment
  • 0% on Beauty & Wellness

Pros & Cons

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.

Apollo SBI Card

Pros

  • 3% value back (3X points) on all Apollo services including pharmacy and clinics
  • 1:1 redemption ratio where 1 Reward Point equals ₹1 at Apollo POS
  • Complimentary OneApollo Gold Tier membership for the first year
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh

Cons

  • No airport lounge access (available only on the Select variant)
  • Low base reward rate of 0.5% on general spends
  • Rewards are primarily valuable only within the Apollo ecosystem

Our Verdict

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

Choose SBI Card - SimplyCLICK SBI Card if

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

Choose Apollo SBI Card if

Frequent users of Apollo Pharmacy and Apollo 24/7 app benefit from high reward rates and instant discounts.

Frequently Asked Questions

Which is better: SBI Card - SimplyCLICK SBI Card or Apollo SBI Card?
Both SBI Card - SimplyCLICK SBI Card and Apollo 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 SBI Card - SimplyCLICK SBI Card and Apollo SBI Card?
SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499, while Apollo SBI Card has an annual fee of ₹499. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend. Apollo SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: SBI Card - SimplyCLICK SBI Card or Apollo SBI Card?
SBI Card - SimplyCLICK SBI Card offers a base reward rate of 0.0625% with accelerated rewards on Partner Brands and All Other Online Spends. Apollo SBI Card offers 0.25% base rewards with bonuses on Apollo Services and Dining, Movies & Entertainment. The better choice depends on your primary spending categories.
Can I have both SBI Card - SimplyCLICK SBI Card and Apollo SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - SimplyCLICK SBI Card and Apollo SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - SimplyCLICK SBI Card or Apollo 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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