Check below for a comparison between SBI SimplyClick credit card vs IRCTC SBI Card Premier or IRCTC SBI Card Premier vs SBI SimplyClick credit card and find which is better –

In the realm of credit cards, the SBI SimplyClick Credit Card and the IRCTC SBI Card Premier emerge as distinctive choices, each catering to diverse lifestyles and preferences.

The SBI SimplyClick Credit Card is tailored for the digital-savvy consumer, offering accelerated rewards on online spending, making it an ideal choice for those who frequent online shopping, dining, and entertainment platforms.

On the other hand, the IRCTC SBI Card Premier is designed for travel enthusiasts, providing exclusive benefits and rewards on railway bookings and lifestyle expenditures.

This comprehensive comparison navigates through the intricacies of rewards programs, fees, and additional perks, empowering you to make an informed decision aligned with your unique spending habits and financial aspirations.

Explore the unique advantages each card brings, guiding you towards a credit card that seamlessly complements your individual needs.

Overview of SimplyClick credit card

SBI Card’s SBI SimplyCLICK Credit Card is an introductory shopping credit card. Earn rewards on a variety of expenses, including shopping and online transactions.

Enjoy the added benefit of a 1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 3,000 at petrol stations across India when using this card.

Tailored for those who prefer online shopping, this card distinguishes itself by offering attractive 10x reward points on transactions made at prominent online shopping and travel platforms.

This includes Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dominos, Yatra, and Lenskart. The prior 10x Rewards on Amazon have been revised to 5x Rewards.

Additionally, the card ensures 5x rewards on online purchases and one reward point for every Rs. 100 spent on offline transactions.

Overview of IRCTC SBI Card Premier

SBI in collaboration with IRCTC has launched a co-branded credit card i.e. IRCTC SBI Card Premier. IRCTC SBI Credit Card Premier is one level above the previously launched IRCTC SBI Platinum Credit Card and provides better benefits in this card.

The card is one of few cards in the market that is designed to offer benefits on railway travel.

SBI SimplyClick credit card vs IRCTC SBI Card Premier

Features/Charges	SBI SimplyClick credit card	IRCTC SBI Premier Credit
Joining Fees	Rs. 499 + GST	Rs. 1,499
Annual Fees	Rs. 499 + GST	Rs. 1,499
Welcome Benefits	Indulge in the vast Amazon marketplace with a gift card worth Rs. 500.	Welcome benefits of Rs.1500*
Cashback / Rewards point	Get a 5% cashback on every online transaction and a 1% cashback on other offline transactions and utility bill payments by making use of this card.	Earn 3 Reward Points on spend of Rs. 125 for dining and other utility bills, and 1 reward point on other non-fuel purchase
Dining benefits	N/A	N/A
Travel benefits	Access domestic airport lounges four times a year at no cost with the use of this card.	Get upto 8 complimentary visits to railway lounges every year (2 each quarter) within India*
Annual fees waiver	Enjoy an annual fee waiver when your spending with this card reaches 2 lakh.	An annual fee waiver is based on spending done in previous year on this card
Fuel surcharge waiver	Benefit from a 1% fuel surcharge waiver on transactions at petrol pumps across India ranging from Rs. 500 to Rs. 3,000 by using this card.	An annual fee waiver is based on spending done in the previous year on this card