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Side-by-Side Comparison|Updated March 2026

SBI Card - SimplyCLICK SBI Card vs SBI Card ELITE

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

SBI Card ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - SimplyCLICK SBI CardSBI Card ELITE
Annual Fee₹499₹4,999
Joining Fee₹499₹4,999
Fee Waiver Spend₹1,00,000₹10,00,000
Base Reward Rate0.0625%0.5%
Reward CurrencyReward PointsSBI Reward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - SimplyCLICK SBI Card

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

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

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.

SBI Card ELITE

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

Our Verdict

Both SBI Card - SimplyCLICK SBI Card and SBI Card ELITE 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 SBI Card ELITE if

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

Frequently Asked Questions

Which is better: SBI Card - SimplyCLICK SBI Card or SBI Card ELITE?
Both SBI Card - SimplyCLICK SBI Card and SBI Card ELITE 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 SBI Card ELITE?
SBI Card - SimplyCLICK SBI Card has an annual fee of ₹499, while SBI Card ELITE has an annual fee of ₹4,999. SBI Card - SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend. SBI Card ELITE offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: SBI Card - SimplyCLICK SBI Card or SBI Card ELITE?
SBI Card - SimplyCLICK SBI Card offers a base reward rate of 0.0625% with accelerated rewards on All Other Online Spends and Partner Brands. SBI Card ELITE offers 0.5% base rewards with bonuses on Dining and Departmental Stores. The better choice depends on your primary spending categories.
Can I have both SBI Card - SimplyCLICK SBI Card and SBI Card ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - SimplyCLICK SBI Card and SBI Card ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - SimplyCLICK SBI Card or SBI Card ELITE?
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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