SBI Card Visa Cashback Credit Card vs SimplyCLICK SBI Visa Credit Card: Which is Better in 2026?
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In short: SimplyCLICK SBI has the lower annual fee (₹499 vs ₹999); both charge a 3.5% forex markup.
| Key facts | SBI Cashback | SimplyCLICK SBI |
|---|---|---|
| Annual fee | ₹999 | ₹499 |
| Joining fee | ₹999 | Not listed |
| Annual fee waived | On ₹2 lakh annual spend | On ₹1 lakh annual spend |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Sbi Card Visa Cashback Credit Card and Simplyclick Sbi Visa Credit Card from SBI Cards both target different user needs with distinct reward structures and fee waivers. While the Cashback card focuses on straightforward cashback benefits on offline and online spends, Simplyclick offers accelerated reward points and welcome benefits tailored for online shoppers. Both cards have similar forex markup fees and fuel surcharge waivers but differ in renewal fee waivers and milestone rewards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| 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 1 Reward Points per Rs.100 |
| 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 rewarding structure for users who prefer earning points, especially with 5X points on online spends and 10X points on select brands like Apollo 24x7, BookMyShow, and Myntra. It also provides a welcome Amazon gift card worth Rs.500, adding upfront value. In contrast, the Sbi Card Visa Cashback Credit Card provides flat cashback rates of 1% on offline and 5% on online spends but lacks accelerated rewards or welcome benefits, making it simpler but less rewarding for diverse spend categories.
Which is better for travel?
Both cards provide a 1% fuel surcharge waiver, which is beneficial for regular fuel purchases. Neither card offers domestic or international lounge access, so neither has a clear advantage for travel perks beyond fuel savings. The milestone benefits on Simplyclick include e-gift vouchers from travel partners Cleartrip and Yatra on annual spends, which may appeal to occasional travelers. Overall, travel benefits are limited and fairly matched between the two.
Which has lower effective cost?
The Sbi Card Visa Cashback Credit Card charges a joining and renewal fee of Rs.999, which can be waived by spending Rs.2 lakhs annually. Simplyclick has a lower annual fee of Rs.499, waived with Rs.1 lakh spend, making it more accessible for moderate spenders. Both cards have a 3.5% forex markup fee, typical for SBI Cards. Considering fee waiver thresholds and renewal fees, Simplyclick offers a lower effective cost for most users.
Reward Structure Focus
The Cashback card emphasizes simple cashback percentages on spends, ideal for users preferring direct savings. Simplyclick focuses on reward points with accelerated earning on online categories and select brands, catering to users who want to redeem points for various benefits.
Fee Waiver Complexity
Sbi Card Visa Cashback requires a higher annual spend of Rs.2 lakhs to waive the renewal fee, whereas Simplyclick waives its lower Rs.499 fee with Rs.1 lakh spend. This makes Simplyclick more accessible for moderate spenders aiming to avoid fees.
Who should pick Sbi Card Visa Cashback Credit Card?
Consider Sbi Card Visa Cashback Credit Card if you prefer straightforward cashback benefits without the need to track reward points or accelerated categories. It suits users comfortable with a higher spend threshold for fee waiver and who want simple cashback on both online and offline spends. This card is also suitable if you want a Visa network card with basic fuel surcharge waiver and are less concerned about welcome or milestone rewards.
Who should pick Simplyclick Sbi Visa Credit Card?
Consider Simplyclick Sbi Visa Credit Card if you are an online shopper who can maximize accelerated reward points across multiple popular brands and platforms. It is also a good choice if you want a lower annual fee with an easier waiver threshold and value welcome benefits like an Amazon gift card. This card suits users looking for more versatile rewards and occasional travel-related vouchers on milestone spends.
Frequently Asked Questions
Sbi Card Visa Cashback Credit Card has a Rs.999 renewal fee waived on spending Rs.2 lakhs annually. Simplyclick Sbi Visa Credit Card charges Rs.499 annually, waived on Rs.1 lakh spend.
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.
Both cards charge a 3.5% markup fee on foreign currency transactions.
Yes, both cards offer a 1% fuel surcharge waiver across petrol pumps.
Simplyclick Sbi Visa Credit Card is better for online shopping with 5X reward points on online spends and 10X points on select brands, whereas the Cashback card offers a flat 5% cashback on online spends.
No, neither card offers domestic or international lounge access.