Confused b/w SimplyClick and Cashback card? I’ll help you choose.
Both cards are built for online shopping. But they serve completely different people — and one key difference that most people miss makes them the best pair in the SBI ecosystem, not competitors.
I hold both cards in my 20+ card stack. Here’s the straight answer on which one — or both — you should apply for.
Quick Overview
| Parameter | SBI SimplyClick | SBI Cashback |
|---|---|---|
| Card Type | Entry-level Rewards | Cashback |
| Reward Rate | Up to 2.5% | Up to 5% |
| Eligibility* | 21-70 years old, Stable income, 700+ credit score | 21-70 years old, 25-30k monthly income, 750+ cibil score |
| Best For | Beginners | Regular online shoppers |
| USP | Occasional discounts during sales | 5% online cashback anytime |
Annual Fee & ROI
| Parameter | SBI SimplyClick | SBI Cashback |
|---|---|---|
| Joining Fee | ₹499 + GST | ₹999 + GST |
| Welcome Benefit | ₹500 Amazon voucher | – |
| Annual Fee | ₹499 + GST | ₹999 + GST |
| Renewal Benefit | – | – |
| Fee Waiver | ₹1 lakh/year (₹8,333/month) | ₹2 lakh/year (₹16,667/month) |
SimplyClick ROI:
First-year-free effectively with welcome benefit.
₹10,000/month spent on partners = ₹5,000/year in vouchers (earning ~₹250/month + ₹2000 milestone voucher + fee waiver).
🔒 Safe & Secure via SBICARD
Cashback Card ROI:
₹20,000/month online spend = ₹12,000/year in cash back (5% = ₹1,000/month). Annual fee waived off.
🔒 Safe & Secure via SBICARD
💡 Key Takeaway: Both card give generous ROI, the key difference is reward redemption. SimplyClick offers brand vouchers while the Cashback card gives direct statement credit, which is most preferable.
Reward Rate
| Spend Category | SBI SimplyClick | SBI Cashback |
|---|---|---|
| Online spends | 2.5% on partner brands, 1.25% elsewhere | 5% |
| Offline spends | 0.25% | 1% |
| Monthly cashback cap | 10,000 RPs (online spends) | ₹2,000/month (online & offline each) |
| Redemption | Limited brand v ouchers (1RP = ₹0.25) | Auto statement credit |
| Exclusions | Rent, fuel, utilities, government transactions, wallet loads, cash advance, EMI conversions | Fuel, wallet loads, rent, jewellery, education, utilities, insurance, gift/novelty shops, railways, cash, digital gaming, tolls, and government transactions |
SBI cashback card’s reward rate is obviously better. You get 5% online irrespective of the merchant you’re shopping on. While SimplyClick offers a lower 2.5% reward on limited merchants only.
💡 Pro Tip: The SBI Cashback card earns 5% on Amazon Pay vouchers. Use this balance for Amazon spends like utilities, insurance, or fuel—categories usually excluded from rewards—to effectively secure 5% cashback on otherwise ineligible transactions. Read full SBI Cashback card review →
Benefits & Features
| Parameter | SBI SimplyClick | SBI Cashback |
|---|---|---|
| Welcome Benefit | ₹500 Amazon voucher | – |
| Milestone Benefit | Up to ₹4,000 in travel e-vouchers/year | – |
| Lounge Access | – | – |
| Forex Markup | 3.5% | 3.5% |
| Fuel Surcharge Waiver | 1% on ₹500–₹3,000 txn. | 1% on ₹500–₹3,000 txn. |
With ₹500 welcome benefit, SBI SimplyClick is first-year-free effectively. Plus, you get ₹2000 Cleartrip or Yatra e-vouchers on 1L and 2L annual spend milestones.
But the SBI Cashback card doesn’t offer any welcome or milestone benefits.
Note: Neither card is suitable for travel and international spends — 3.5% forex markup, no lounge access, and zero cashback on fuel make both cards India-online-shopping cards only.
Scapia Card
Best beginner travel card with lounge access and zero forex markup.
- Unlimited lounge access
- Zero forex markup
- Zero annual fee
Design & Hands-On
Two cards that couldn’t look more different.
SBI SimplyClick wears a deep burgundy-red matte finish with an embossed botanical leaf illustration across the right side. The raised texture adds a tactile premium feel that’s rare at this price point — doesn’t look or feel like a ₹499 card.
SBI Cashback is bold royal blue with a sharp yellow chevron cutting across the face. High-contrast, glossy, and instantly recognisable — it’s the card that shows up on every finance Instagram reel for a reason.
Both are standard plastic weight. The SimplyClick’s matte finish resists fingerprints and ages better in a wallet. The Cashback’s glossy finish smudges but photographs better.
Bank Discount — The Key Differentiator
Here’s the one thing that makes these cards a pair rather than competitors:
SBI Cashback does NOT qualify for instant bank discounts during sale events — no Big Billion Days 10% instant off, no Amazon Great Indian Festival bank offer. You only get the 5% cashback.
SBI SimplyClick does qualify for these instant sale discounts.
For example, during Big Billion Days or Great Indian Festival, a ₹40,000 TV purchase looks like this:
| SBI SimplyClick | SBI Cashback | |
|---|---|---|
| Instant discount (10%) | ₹4,000 off at checkout | Not applicable |
| Cashback | 1.25% = ₹500 | 5% = ₹2,000 |
| Total saving | ₹4,500 | ₹2,000 |
💡 Key Takeaway: SimplyClick wins big on sale events. Cashback card wins on everyday spending. That’s exactly why I hold both.
Flipkart Axis Bank Card
Best cashback card for Flipkart, Myntra, & Cleartrip users.
- 7.5% on Myntra, 5% on Flipkart & Cleartrip
- 4% on Swiggy, Uber, Cultfit, PVR
- 1% on all other spends
Who Should Get Which Card
Get SBI SimplyClick if:
- You’re a beginner or student with ₹8–₹15K/month online spends
- You regularly shop on Myntra, Swiggy, BookMyShow, Cleartrip — 2.5% return is strong
- You want the fee waiver at ₹1L/year — easy to hit
- You want a ₹500 Amazon welcome voucher that offsets Year 1 fee entirely
- You want to maximise sale-season instant discounts on Amazon and Flipkart
👆 Claim ₹500 Amazon Voucher
Get SBI Cashback if:
- You’re a regular online shopper.
- You spend ₹20–40/month online across multiple merchants — flat 5% everywhere beats everything.
- You don’t want to track partner brands or chase specific merchants
- You want auto statement credit — no portal, no points conversion, real money back.
Final Verdict: Get Both
These two cards cover each other’s exact blind spots:
| Situation | Use This Card |
|---|---|
| Big Billion Days / Great Indian Festival 🎊 | SimplyClick (instant discount) |
| Everyday online shopping 🛍️ | SBI Cashback (5% flat) |
| Amazon, Flipkart non-sale days | SBI Cashback (5% flat) |
| Offline spends 💳 | SBI Cashback (1% vs 0.25%) |
Combined annual fee: ₹589 + ₹1,179 = ₹1,768.
ROI: ₹15,000–₹18,000/year in cashback and discounts if you spend ₹20K+/month online, split across both cards.
Start with SimplyClick if you’re just beginning. Add Cashback when your monthly online spends increase over time. Together, they’re the best online shopping combo in the SBI ecosystem.
IDFC First Wow Card
Build credit score effortlessly with high interest and travel benefits.
- Zero forex markup
- Earn ~6.5% p.a. on your FD
- Zero annual fee
FAQs
1. Which is better — SBI SimplyClick or SBI Cashback?
Neither is universally better — they serve different spending levels. SimplyClick is better for beginners spending ₹10K–₹20K/month who want a fee waiver and welcome benefit. Cashback is better for anyone spending ₹20K+/month online who wants flat 5% everywhere. Ideally, hold both.
2. Can I hold both SBI SimplyClick and SBI Cashback at the same time?
Yes. SBI allows you to hold multiple credit cards simultaneously. I hold both and use them strategically — SimplyClick for sale-season instant discounts and partner brand spending, Cashback for flat 5% on all other online purchases.
3. Is SBI Cashback still worth it after the April 2026 devaluation?
Yes — but with a narrower use case. The monthly cap dropped from ₹5,000 to ₹2,000 (online), meaning heavy spenders above ₹40,000/month hit the ceiling. For ₹20,000–₹40,000/month online spenders, it’s still the best flat cashback card in India at this fee tier.
4. Which SBI card is best for beginners in India?
SBI SimplyClick — hands down. ₹499 fee, ₹500 Amazon welcome voucher, fee waiver at just ₹1L/year, and 2.5% on popular platforms like Swiggy, Myntra and BookMyShow. It’s one of the most beginner-friendly cards in India with real, extractable value from day one.
Disclaimer: This article is based on publicly available card terms and my personal experience as of June 2026. We partially use AI to draft content, but key facts are manually verified. Card benefits can change — always confirm details on SBI Card’s official website before applying. This post contains affiliate links and is not financial advice. Read full privacy policy and disclaimer here.
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