Synopsis: SimplyClick and SBI cashback are both unique offerings of SBI cards that are designed for everyday spending. The differences are their reward structure and redemption process. Read below to find a detailed comparison of both the cards and decide which one would better suit your spending habits.
SBI cards is one of the largest card issuers in the country currently, and each year the number of applicants seems to be growing positively. Among the various ranges available, the cashback versions are the most popular. In a cashback card, there is no lengthy process of redemption or choosing a voucher that one may never use.
SimplyClick SBI card and SBI cashback card are both made keeping in focus for daily expenses. Many users may get confused as to which one to go with because there is a very thin line of difference. Read the article below to understand how these cards are useful in their own way and which one stands out.
1. SimplyClick SBI Credit card
The SimplyClick SBI Card is primarily an online shopping rewards card. It does not offer direct cashback but instead rewards users with accelerated reward points on selected partner platforms.
| Fee Type | Charges |
| Joining Fees | ₹499 + taxes |
| Annual Fees | ₹499 + taxes |
| Annual Fee Waiver | Applicable on an spend of ₹1 lakh in a year |
| Add-on card Fee | NIL |
| Card Type | Reward Shopping card |
| Rewards in | Points |
Welcome Bonus: An Amazon gift card worth ₹500 after paying annual fee.
Rewards & Benefits:
- Contactless technology inbuilt where only waving pay the bill
- 1% fuel surcharge waiver on spend between ₹500 and ₹3000
- 10X reward points on online transaction with exclusive partners like Myntra, Netmeds, Yatra and more
- 5X reward points on all other online spend
- 1 reward point on each ₹100 spent on all other spends
Milestone Benefits:
- An E-Vouchers worth ₹2,000 each on reaching annual online spends milestone of ₹1 Lakh and ₹2 Lakh respectively
- e-Voucher Brand – Cleartrip / Yatra. Vouchers would be sent via sms to registered mobile numbers.
Also Read: 5 Best HDFC Credit Cards for Salaried Employees in India: Benefits, Cashback and More (2026)
2. SBI Cashback Credit Card
The SBI Cashback Card is a dedicated cashback credit card that offers direct credit of the cashbacks in the statement cycle. The earnings can be done in both online and offline shoppings. The direct credit eliminates the long process of redemption and having to choose different options in return of the reward.
| Fee Type | Charges |
| Joining Fees | ₹999 + taxes |
| Annual Fees | ₹999 + taxes |
| Annual Fee Waiver | On spending ₹2 lakh in a year |
| Add-on Card Fee | NIL |
| Card Type | Cashback Credit Card |
| Cashback Credited As | Statement Credit |
Cashback & Benefits
- 5% cashback on all online spends (capped at ₹5,000 per month)
- 1% cashback on offline spends
- 1% fuel surcharge waiver on transaction from ₹500 to ₹4,000
- The cashback earned is automatically adjusted against the credit card statement
Exclusions: Certain categories such as rent payments, wallet loads, fuel (cashback), government payments, and EMI transactions may not earn cashback.
SimplyClick SBI Card vs SBI Cashback Card: Comparison Table
| Feature | SimplyClick SBI Card | SBI Cashback Card |
| Card Type | Reward | Cashback |
| Joining Fee | ₹499 + taxes | ₹999 + taxes |
| Annual Fee Waiver | ₹1 lakh spend | ₹2 lakh spend |
| Online Spending Benefit | Up to 2.5% via reward point | Flat 5% cashback |
| Offline Spending Benefit | 0.25% value | 1% cashback |
| Redemption Process | Rewards portal | Auto statement credit |
| Complexity | Moderate | Simpler |
Which Card Should You Choose?
- SimplyClick SBI Card could be a better choice for those who shop online very often. The milestone bonus and welcome gift are also additional benefits for the shoppers. The low fee and waiver are dedicated towards those who are either new to credit card usage or those who want a card on the lower side of payment.
- SBI Cashback Card is a hassle-free free easy-to-use cashback credit card. In most usage, the cash back would be directly added to the statement credit, which implies that the cardholder would not face the hassle of redeeming and waiting for the entire process to get their earnings.
Final Verdict
SBI cards have carefully structured both cards to be suitable for everyday usage. SimplyClick rewards planned online purchases through partner brands, and on the other hand, the SBI Cashback Card focuses on straightforward savings across online and offline transactions.
Users who want simplicity and higher returns can opt for the SBI Cashback Card. And beginners or those looking for a lower-fee SBI card with decent online rewards can go with the SimplyClick SBI Card.
Written by Kenbi Riba
