CASHBACK SBI Card vs SimplyCLICK SBI Card
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | CASHBACK SBI Card | SimplyCLICK SBI Card |
|---|---|---|
| Issuer | SBI Card | SBI Card |
| Joining fee | ₹999 | ₹499 |
| Annual fee | ₹999 | ₹499 |
| Fee waiver | Renewal fee reversed if annual spends in the previous year are ₹2,00,000 or more | Renewal fee reversed if annual spends in the previous year are ₹1,00,000 or more |
| Everyday spends (value back) | 1% | – |
| Online shopping (value back) | 5% | – |
| Fuel (value back) | 0% | 0% |
| Bills and utilities (value back) | 0% | – |
| Dining and food delivery (value back) | 5% | – |
| Rewards in short | Flat cashback card: 5% on online spends and 1% on offline spends, capped at ₹4,000 a statement cycle. | Online-shopping rewards card: 10X points at partner sites, 5X on other online spends, plus ₹2,000 e-vouchers at ₹1 lakh and ₹2 lakh online spends. |
| Works on UPI | No | No |
| Airport lounge | Not published by the bank | Not published by the bank |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹500 to ₹3,000; max ₹100 per statement cycle | 1% waiver on fuel transactions of ₹500 to ₹3,000; max ₹100 per statement cycle |
| Card network | Visa | American Express |
| Minimum income (salaried) | Not published by the bank | Not published by the bank |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the CASHBACK SBI Card if
you want a known cash rate: 5% online and 1% offline
₹999 joining, ₹999 a year
Pick the SimplyCLICK SBI Card if
you mostly shop at SimplyCLICK's partner sites and want the ₹499 fee
₹499 joining, ₹499 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Why don't you show a reward rate for SimplyCLICK?
SBI publishes how many points SimplyCLICK earns but not what a point is worth in rupees for this card. Rather than guess, we leave its rate blank. CASHBACK SBI pays cash, so its 5% and 1% need no conversion.
Which is cheaper to keep?
SimplyCLICK: ₹499 a year, reversed if you spent ₹1 lakh the year before. CASHBACK SBI: ₹999 a year, reversed at ₹2 lakh. Both fees are plus GST.
What do they leave out?
Neither earns on fuel or rent. CASHBACK SBI also excludes utility bills, insurance, wallet loads, education, jewellery, railways, EMI, tolls and government payments. SimplyCLICK gives no points on fuel, cash advances or Flexipay, and stopped points on rent, government payments and digital gaming.
Full details: CASHBACK SBI Card · SimplyCLICK SBI Card · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.