SBI SimplyCLICK vs SBI Cashback
SBI SimplyCLICK or SBI Cashback?
While both are excellent SBI cards, the SBI Cashback is a premium product offering 5% direct cashback. The SimplyCLICK is a beginner card offering 10X reward points on Amazon and Apollo.
While both are excellent SBI cards, the SBI Cashback is a premium product offering 5% direct cashback. The SimplyCLICK is a beginner card offering 10X reward points on Amazon and Apollo.
Table of Contents
1. Quick Look
VS
2. Head-to-Head Comparison Table
| Feature | SBI SimplyCLICK | SBI Cashback |
|---|---|---|
| Annual Fee | ₹499 + GST (Waived on ₹1 Lakh spend) | ₹999 + GST (Waived on ₹2 Lakh spend) |
| Best For | Online Shopping Rewards | Online Shopping Cashback |
| Cashback / Rewards | 10X points on Amazon/Apollo24X7/BookMyShow, 5X points on other online spends, 1X on offline (1 Point = ₹0.25) | 5% on online spends, 1% on offline |
| Lounge Access | None | 4 complimentary domestic visits per year (1 per quarter) |
| EMI Options | Available on purchases above ₹2,500 via Flexipay | Available on purchases above ₹2,500 via Flexipay |
| Welcome Offer | ₹500 Amazon Gift Card on joining fee payment | None |
3. Category Winners
| Best for Cashback | 🏆 SBI Cashback |
| Best for Rewards | 🏆 SBI SimplyCLICK |
| Best for Lounge Access | 🏆 SBI Cashback |
| Best for Low Fees | 🏆 SBI SimplyCLICK |
| Best for Beginners | 🏆 SBI SimplyCLICK |
4. Final Verdict: Which Card Should You Choose?
5. People Also Ask & FAQs
People Also Ask
Is SBI Cashback better than SimplyCLICK?
Yes, for most users, the direct 5% cash return significantly outperforms the reward points of SimplyCLICK.
Can I get SBI Cashback with a low salary?
It requires a slightly higher income profile than the SimplyCLICK.
Comparison FAQs
Should I upgrade from SimplyCLICK to Cashback?
Yes, if your online spends exceed ₹50,000 a year, the upgrade is highly beneficial.
Which card has lounge access?
Only the SBI Cashback card offers lounge access.
Do both give an Amazon voucher?
No, only SimplyCLICK gives a ₹500 welcome Amazon voucher.
Is point redemption free?
No, SimplyCLICK charges ₹99 to redeem points. SBI Cashback auto-credits for free.
Which is better for BookMyShow?
SimplyCLICK offers 10X points on BookMyShow, giving it the edge for movies.
Can I hold both SBI cards?
Yes, SBI Card allows you to hold multiple credit cards simultaneously.
Is the annual fee waiver the same?
No. SimplyCLICK waives the fee at ₹1 Lakh, while Cashback requires ₹2 Lakhs.
Do they both offer fuel surcharge waivers?
Yes, both offer a 1% surcharge waiver on fuel transactions.
✓ Verified by CreditConnects Editorial Team
📅 Last Updated: July 2026
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✅ Fact Checked
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📋 Independent Review
Our editorial team verifies all card terms directly against official bank MITC documents and RBI circulars before publishing. We update this page whenever terms change.
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Trust Indicators
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Sources: Official Bank MITC | RBI Circulars (2025/26) | Visa / Mastercard / RuPay Network Guidelines
