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Side-by-Side Comparison|Updated August 2026

SimplyCLICK SBI Card vs Tata Card SELECT

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

State Bank of India

SimplyCLICK SBI Card

8/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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State Bank of India

Tata Card SELECT

7.2/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSimplyCLICK SBI CardTata Card SELECT
Annual Fee₹499₹2,999
Joining Fee₹499₹2,999
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.25%1%
Reward CurrencyReward PointsEmpower Points
NetworkVisaVisa
Editor Rating8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

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

Tata Card SELECT

  • 3% on Grocery
  • 3% on Dining
  • 3% on International spends
  • 5% on Westside
  • 4% on Titan
  • 3.5% on Star Bazaar
  • 2% on Croma
  • 2% on Tanishq
  • 2% on Tata CLiQ
  • 2% on Landmark

Pros & Cons

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.

Tata Card SELECT

Pros

  • Up to 5% back as Empower Points at Westside, plus strong rates across Titan, Star Bazaar and other Tata brands
  • 3X points (3%) on grocery, departmental stores, dining and international spends
  • Empower Points are worth a flat Rs 1 each with instant in-store redemption at Tata outlets
  • 8 complimentary domestic lounge visits a year, with no spend condition

Cons

  • Rs 2,999 annual fee with NO spend-based waiver — you pay it every year
  • Points redeem only inside the Tata ecosystem; no cash or statement-credit option
  • Rs 99 fee on every redemption request, and points expire in 2 years

Our Verdict

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

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.

Choose Tata Card SELECT if

Regular shoppers at Westside, Croma, Tanishq, Star Bazaar or Tata CLiQ who will actually redeem points in-store

Frequently Asked Questions

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