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

In the realm of State Bank of India (SBI) credit cards, the choice between the SBI SimplyClick Credit Card and the SBI Elite Credit Card presents a distinct duality catering to diverse financial needs.

The SBI SimplyClick Credit Card is a digital enthusiast’s delight, focusing on online spending with tailored rewards and accelerated benefits on e-commerce transactions.

On the other hand, the SBI Elite Credit Card embodies luxury and exclusivity, offering a gamut of premium privileges, including access to airport lounges, milestone rewards, and lifestyle benefits.

This comprehensive comparison explores the unique features of each card, assisting you in making an informed decision based on your spending patterns and lifestyle preferences.

Whether you seek specialized rewards for online transactions or aspire to indulge in elite experiences, understanding the nuances of these SBI credit cards will guide you toward the one that harmonizes seamlessly with your financial goals.

Overview of SimplyClick credit card

SBI Card presents the SBI SimplyCLICK Credit Card, an entry-level shopping credit card.

Gain rewards on all your expenses, from shopping to online transactions. Plus, enjoy a 1% fuel surcharge waiver for transactions ranging between Rs. 500 and Rs. 3,000 at petrol pumps nationwide when using this card.

Tailored for online shoppers, this card stands out by offering an impressive 10x reward points on transactions made at popular online shopping and travel destinations.

Notable names on the list include Cleartrip, Apollo24x7, Netmeds, BookMyShow, Dominos, Yatra, and Lenskart.

It’s worth mentioning that the 10x Rewards on Amazon has been adjusted to 5x Rewards.

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

Overview of SBI Elite credit card

SBI Card’s premium offering, the SBI ELITE Credit Card, comes with an annual membership fee of Rs. 4,999.

Once the pinnacle of SBI Card’s credit card lineup, it now assumes the second-highest position with the introduction of the SBI AURUM Credit Card.

Tailored for the premium customer, the SBI Bank ELITE Credit Card boasts a collection of high-value privileges, such as complimentary visits to domestic and international lounges, free shopping vouchers, reduced hotel booking rates, complimentary movie tickets, and a variety of supplementary benefits.

SBI SimplyClick credit card vs SBI Elite credit card

Features/Charges	SBI SimplyClick credit card	*SBI Elite card*
Joining Fees	Rs. 499 + GST	Rs. 4,999 + Taxes
Annual Fees	Rs. 499 + GST	Rs. 4,999 + Taxes
Welcome Benefits	Elevate your shopping experience by using an Amazon gift card worth Rs. 500.	Upon enrollment, receive E-vouchers valued at Rs. 5,000, applicable to your preferred brands, including Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.
Cashback / Rewards point	Avail a 5% cashback on all online transactions and a 1% cashback on other offline transactions and utility bill payments with the use of this card.	Receive 2 Reward Points for each Rs. 100 spent on retail transactions, while also enjoying a generous 5X Reward Points bonus on dining expenses, department store purchases, and grocery transactions.
Dining benefits	N/A	Take advantage of attractive dining privileges, including discounts of up to 25% at designated partner restaurants*.
Travel benefits	Take advantage of four free visits to domestic airport lounges each year with this card.	Avail yourself of a complimentary Club Vistara Membership, a Trident Privilege Red Tier membership at no cost, and complimentary access to domestic and international airport lounges.
Annual fees waiver	Utilize this card to secure an annual fee waiver after reaching 2 lakh in spending.	Expenditures totaling Rs. 10 lakh or exceeding in the previous year result in the waiver of the Rs. 4,999 annual fee.
Fuel surcharge waiver	By employing this card, you can benefit from a 1% fuel surcharge waiver for transactions falling between Rs. 500 and Rs. 3,000 at petrol stations nationwide.	Expenditures totalling Rs. 10 lakh or exceeding in the previous year result in the waiver of the Rs. 4,999 annual fee.