Sbi Card Visa Cashback Credit Card vs Simplyclick Sbi Visa Credit Card: Which is Better in 2026?
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Sbi Card Visa Cashback Credit Card and Simplyclick Sbi Visa Credit Card are both SBI Cards on the Visa network, catering to different spending preferences. The Cashback card focuses on straightforward cashback rewards primarily on online and offline spends, while the Simplyclick card offers enhanced reward points especially for e-commerce and wellness spends. Both cards have a forex markup of 3.5% and provide fuel surcharge waivers, but differ in fees and milestone benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Sbi Card Visa Cashback Credit Card | Simplyclick Sbi Visa Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.999 | — |
| Annual / renewal fee | Renewal Fee of Rs.999 | Annual Fee of Rs.499 |
| Annual fee waiver | Spend Rs.2 Lakhs For Waiver of Renewal Fee | Spend Rs.1 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 5X Reward Points on Online Spends |
| Welcome benefit | — | Amazon Gift Card Worth Rs.500 |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Simplyclick Sbi Visa Credit Card offers a more diversified and rewarding points system, especially for online shopping on platforms like Myntra, Apollo 24x7, Netmeds, BookMyShow, Swiggy, Cleartrip, and Yatra, with 10X reward points on these spends. In contrast, the Sbi Card Visa Cashback Credit Card provides cashback of 5% on online spends and 1% on offline spends, capped at Rs. 5000 per statement cycle, which is simpler but less rewarding for frequent online shoppers. Therefore, for users who prefer reward points and shop frequently on specific online platforms, Simplyclick is better, while those preferring direct cashback might lean towards the Cashback card.
Which is better for travel?
Neither card offers complimentary domestic or international lounge access, but Simplyclick Sbi Visa Credit Card provides milestone benefits in the form of e-gift vouchers from travel portals like Yatra and Cleartrip on annual spends of Rs. 1 lakh and Rs. 2 lakhs. This makes Simplyclick more travel-friendly for users who spend significantly and want travel-related rewards. The Cashback card does not have any travel-related milestone or welcome benefits.
Which has lower effective cost?
The Sbi Card Visa Cashback Credit Card has a joining and renewal fee of Rs. 999 each, with a waiver on renewal fee if you spend Rs. 2 lakhs annually. Simplyclick Sbi Visa Credit Card has a lower renewal fee of Rs. 499 with a waiver on spending Rs. 1 lakh annually, and no joining fee mentioned. This makes Simplyclick more cost-effective, especially for moderate spenders. Both cards charge a 3.5% forex markup and offer a 1% fuel surcharge waiver, so fees beyond annual charges are similar.
Reward Program Focus
Simplyclick Sbi Visa Credit Card emphasizes e-commerce and wellness shopping with 10X reward points on selected brands, making it ideal for users who shop on these platforms. The Cashback card offers flat cashback rates without brand-specific rewards, catering to users who prefer simplicity.
Milestone Benefits
Simplyclick provides milestone e-gift vouchers from travel portals on annual spends, adding value for frequent travelers. The Cashback card does not offer milestone benefits.
Fee Waiver Threshold
Simplyclick has a lower renewal fee and a more accessible waiver threshold of Rs. 1 lakh annual spend compared to the Cashback card's Rs. 2 lakhs, making it more beginner-friendly regarding fees.
Who should pick Sbi Card Visa Cashback Credit Card?
Consider Sbi Card Visa Cashback Credit Card if you prefer straightforward cashback rewards on your online and offline spends and are comfortable with a higher annual fee waiver threshold. This card suits users who want simple cashback benefits without focusing on specific brands or milestone rewards.
Who should pick Simplyclick Sbi Visa Credit Card?
Consider Simplyclick Sbi Visa Credit Card if you shop frequently online, especially on Myntra, Apollo 24x7, Netmeds, and other partnered platforms, and want to maximize reward points. It is also suitable for those looking for travel-related milestone benefits and a lower renewal fee with an easier waiver condition.
Frequently Asked Questions
Both Sbi Card Visa Cashback Credit Card and Simplyclick Sbi Visa Credit Card charge a forex markup fee of 3.5% on foreign currency transactions.
No, neither card provides complimentary domestic or international lounge access.
The Cashback card has a renewal fee of Rs. 999 waived on spending Rs. 2 lakhs annually, while Simplyclick has a renewal fee of Rs. 499 waived on spending Rs. 1 lakh annually.
Simplyclick Sbi Visa Credit Card offers 10X reward points on various online platforms like Myntra, Apollo 24x7, and Swiggy, making it better for online shopping rewards compared to the Cashback card's flat cashback.
Simplyclick Sbi Visa Credit Card offers an Amazon Gift Card worth Rs. 500 as a welcome benefit upon payment of the annual fee. The Cashback card does not have any welcome benefits.
Yes, both cards offer a 1% fuel surcharge waiver on fuel purchases.