I hold both cards in my 20+ card stack. Here’s the straight answer on which one wins — and when you need both.

RECOMMENDATION

Top Rated Shopping Card

Flipkart Axis Bank Card

₹500 (Waived at ₹3.5L spend)

Best cashback card for Flipkart, Myntra, & Cleartrip users.

Free flight voucher worth ₹1500

• 7.5% on Myntra, 5% on Flipkart & Cleartrip
• 4% on Swiggy, Uber, Cultfit, PVR
• 1% on all other spends

Claim ₹1500 Offer

Safe & Secure | Limited period offer

RECOMMENDATION

Quick Snapshot

Eligibility

Safe & Secure

Flipkart Axis is more accessible with a 700+ score requirement and lower income threshold, making approvals easier for most applicants.

SBI Cashback has stricter underwriting, typically requiring a 750+ score and ITR filings for self-employed applicants.

If you’re a beginner or aged below 21, Flipkart Axis should be your default choice.

Annual Fee & ROI

SBI Cashback ROI

At ₹40K/month online spends, 5% cashback equals ₹2,000/month — or about ₹24,000/year.

The ₹1,179 fee is a non-issue, as the waiver at ₹2L/year (₹16,667/month) is realistic for regular online shoppers. Read SBI Cashback review →

Flipkart Axis ROI

At ₹20K/month spent across Flipkart, Myntra, and Cleartrip, effective cashback of 5–7.5% gives roughly ₹1,000–₹1,500/month — or ₹12,000–₹18,000/year.

Plus, it’s effectively first-year-free thanks to the ₹1,850 welcome benefit. Fee waiver at ₹3.5L/year is tough for casual users. However, the ₹590 fee is minor relative to the benefits. Read Flipkart Axis review →

Welcome Benefit — Axis Flipkart

Valid till 30 June, 2026

Flipkart Axis clearly wins in Year 1 — ₹1,850 in welcome benefits against a ₹590 joining fee.

SBI Cashback offers no welcome benefit — you start Year 1 paying the full ₹1,179 fee.

Design & Hands-On

Visually, these cards differ significantly.

SBI Cashback features a royal blue glossy finish with a yellow chevron and the ‘K’ logo. It looks corporate and photographs well, but the surface attracts fingerprints.

Flipkart Axis has a matte black base with striking blue and pink ribbon stripes. Its eye-catching design resists smudges and ages better in wallets.

That said, I rarely carry either card in my wallet and mostly use them online. For offline swipes, I prefer Axis Horizon.

Cashback Rates

SBI Cashback

In short, spends up to ₹40,000/month online are eligible for cashback.

Pro Tip: Buy Amazon Pay vouchers with SBI Cashback card, then use it to pay for categories that would otherwise earn 0% — utilities, insurance, and more. Effectively forces 5% cashback on excluded spends.

RECOMMENDATION

Top Rated Cashback Card

SBI Cashback Card

₹999 (Waived at ₹2L/year)

The OG cashback card for regular online shoppers.

Save up to ₹24,000 every year

• 5% cashback on all online spends
• No merchant restrictions

Apply SBI Cashback Card

Safe & Secure via SBI Card

RECOMMENDATION

Flipkart Axis Bank

Each platform has its own separate cap — Myntra, Flipkart, and Cleartrip caps are independent of each other.

Unlike SBI Cashback, Flipkart Axis also unlocks instant discounts during major sale events.

Sale Season — Extra Discounts

Real money example

Here’s how buying a ₹50,000 TV on Big Billion Days looks like:

Flipkart Axis wins Big Billion Days by a massive margin. SBI Cashback wins Amazon Great Indian Festival.

I use the SBI SimplyCLICK card for instant Amazon sale discounts.

Travel & Lounge Access

Flipkart Axis can help you save up to 25% on travel booking via Cleartrip. SBI Cashback doesn’t offer a double dip discount.

Key Takeaway: Cashback cards focus on direct cash rewards and usually skip lifestyle perks like airport lounge access. If that’s a priority, check our guide on 12 best lounge access credit cards — no spend.

RECOMMENDATION

Top Rated Travel Card

Scapia Card

Lifetime Free

Best beginner travel card with lounge access and zero forex markup.

₹1000 off on your first flight booking

• Unlimited lounge access
• Zero forex markup
• Zero annual fee

Claim ₹1000 Offer

Safe & Secure via Scapia App

RECOMMENDATION

Which Card Should You Get

Get Flipkart Axis if you are:

• A Flipkart or Myntra loyalist spending ₹8,000–₹20,000/month on these platforms — 7.5% on Myntra and 5% on Flipkart is unmatched at this fee tier.
• A Big Billion Days shopper with big-ticket purchases planned — 10% instant discount plus 5% cashback stacked is the strongest sale-season benefit on any ~₹500/year card.
• A first-time cardholder who wants a low fee, clear partner ecosystem, and a solid welcome benefit.

Safe & Secure via Axis Bank

Get SBI Cashback if you are:

• A regular online shopper spending ₹20K+/month across Amazon, Flipkart, Zomato, Nykaa, etc. — the flat 5% often beats merchant-restricted cards over the long term.
• Someone who wants 5% cashback auto-credited with zero mental load, without tracking partner brands or categories.

Safe & Secure via SBI Card

Final Verdict: Get Both

I hold both cards in my stack, and they aren’t rivals. Instead, they perfectly fill each other’s gaps across different shopping ecosystems.

Here’s how I maximize my cashback:

Combined annual fee: ₹590 + ₹1,179 = ₹1,769.

At around ₹50K/month in online spends, split smartly across both cards, you can earn roughly ₹30K–₹35K/year in cashback and discounts — making the combined fee almost irrelevant.

FAQs

This post 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 the respective bank’s official website before applying. This post contains affiliate links and is not financial advice. Read the full privacy policy & disclaimer here.

The post SBI Cashback vs Flipkart Axis Credit Card 2026 appeared first on Mobodaily.

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

Annual Fee & ROI

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

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

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.

RECOMMENDATION

Top Rated Travel Card

Scapia Card

Lifetime Free

Best beginner travel card with lounge access and zero forex markup.

₹1000 off on your first flight booking

• Unlimited lounge access
• Zero forex markup
• Zero annual fee

Claim ₹1000 Offer

Safe & Secure via Scapia App

RECOMMENDATION

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:

Key Takeaway: SimplyClick wins big on sale events. Cashback card wins on everyday spending. That’s exactly why I hold both.

RECOMMENDATION

Top Rated Shopping Card

Flipkart Axis Bank Card

₹500 (Waived at ₹3.5L spend)

Best cashback card for Flipkart, Myntra, & Cleartrip users.

Free flight voucher worth ₹1500

• 7.5% on Myntra, 5% on Flipkart & Cleartrip
• 4% on Swiggy, Uber, Cultfit, PVR
• 1% on all other spends

Claim ₹1500 Offer

Safe & Secure | Limited period offer

RECOMMENDATION

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 ₹20–40K/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.

RECOMMENDATION

Premium FD-Backed Card

IDFC First Wow Card

Lifetime Free

Build credit score effortlessly with high interest and travel benefits.

No credit score or income proof required

• Zero forex markup
• Earn ~6.5% p.a. on your FD
• Zero annual fee

Apply IDFC WOW Card

Safe & Secure | 100% Guaranteed Approval

RECOMMENDATION

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.

The post SBI SimplyClick vs SBI Cashback Credit Card 2026: Which One Should You Get? appeared first on Mobodaily.

But after the April 1, 2026 devaluation, many are asking: Is it dead? The short answer is No.

I hold 20+ credit cards to date, but it remains my go-to card for everyday expenses. I’ve have earned ₹77,000+ in cashback to date.

In this 2026 review, I will fully analyze the SBI Cashback Card and show you the 3 specific hacks I use to force 5% cashback on “excluded” spends like utility bills, fuel, and jewelry.

Overview

Applying your first card? Check out the SBI SimplyClick, the best entry-level card in 2026.

Annual Fee

Safe & Secure by SBI Card

ROI — Why I Hold It?

I have been using the SBI Cashback card since 2024, and have earned 77K+ cashback till date.

Even with no welcome/renewal benefit, the math is simple: SBI Cashback card pays for itself 20 times over.

• Annual Savings: ₹24,000 in a year If you max out the new ₹2,000 monthly cap, you earn—without even counting the 1% offline cashback.
• Fee Waiver: If you spend ₹2 Lakhs annually (avg. ₹16,666/month), the fee is waived entirely, making your ₹10,000+ cashback 100% free.

RECOMMENDATION

Top Rated Shopping Card

Flipkart Axis Bank Card

₹500 (Waived at ₹3.5L spend)

Best cashback card for Flipkart, Myntra, & Cleartrip users.

Free flight voucher worth ₹1500

• 7.5% on Myntra, 5% on Flipkart & Cleartrip
• 4% on Swiggy, Uber, Cultfit, PVR
• 1% on all other spends

Claim ₹1500 Offer

Safe & Secure | Limited period offer

RECOMMENDATION

Features & Benefits

No cashback on: Fuel, wallet loads, rent, jewellery, education, utilities, insurance, gift/novelty shops, railways, cash, digital gaming, tolls, and government transactions.

Key Takeaway: SBI Cashback is a value-driven card with hard cash benefit. Don’t expect travel and lifestyle benefits like lounge access, zero forex, etc. Check out the 2026’s best cards for lounge access with no spend conditions.

RECOMMENDATION

Top Rated Travel Card

Scapia Card

Lifetime Free

Best beginner travel card with lounge access and zero forex markup.

₹1000 off on your first flight booking

• Unlimited lounge access
• Zero forex markup
• Zero annual fee

Claim ₹1000 Offer

Safe & Secure via Scapia App

RECOMMENDATION

SBI Cashback Card Hacks

SBI excludes fuel, electricity, water, gas, and broadband bills from earning cashback. If you pay the biller directly, you get nothing.

But I don’t settle for nothing

5% cashback on utility bills

Here’s how to get 5% cashback on utility bills:

1. Open the Amazon App
   Ensure you have an active Amazon account.
2. Buy an Amazon Pay Gift Card
   Go to the “Gift Cards” section and purchase a voucher for the amount of your bill.
3. Pay with SBI Cashback Card
   This counts as an “Online Shopping” transaction, earning you the full 5% cashback.
4. Load to Wallet
   Add the voucher code to your Amazon Pay balance.
5. Pay Your Bill
   Use the balance to pay your electricity, water, or broadband bill via Amazon Pay.

Result: You just saved 5% on recharges and utility bills that officially earn zero cashback.

5% cashback on fuel

Step-by-step trick to get 5% cashback on fuel:

1. Visit a Gift Card Platform
   Open an online portal like Woohoo or Gyftr.
2. Select IOCL Vouchers
   Choose the Indian Oil (IOCL) fuel voucher of your desired denomination.
3. Checkout using SBI Cashback Card
   Since this is an online gift card purchase, it triggers the 5% cashback.
4. Redeem at Petrol Pump
   Present the voucher (SMS/Email) at any authorized IOCL pump during your next refill.

Result: You get 5% cashback on fuel, avoiding the fuel surcharge as well.

5% cashback on jewelry

I recently bought silver bars and received the 5% cashback. Here’s how:

1. Open the AJIO App/Website
   Search for gold & silver coins, or fine jewelry.
2. Add to Cart
   Select your items and proceed to the payment page.
3. Pay via SBI Cashback Card
   Complete the transaction directly on the AJIO platform.
4. Verification
   Check your SBICARD app for cashback earned within 2 days.

How it works: SBICARD categorizes AJIO transactions as “Apparel & Accessories” rather than “Jewelry.” Since it’s an online spend under a non-excluded category, it triggers the full 5% reward.

The Result: You earn the full 5% online cashback on gold and silver. As you can see in my screenshot above, I bought silver bars worth ₹37,910 on AJIO and earned ₹1,895 cashback i.e. 5% on a single AJIO purchase, bringing my total earnings to ₹77,696.

Save 5% cashback everywhere

SBI Cashback vs. The Rivals

I personally hold all the major cashback cards in the market, and my strategy is simple: Optimization over Loyalty. Here is how the SBI Cashback card stacks up against the competitors in my wallet:

My Personal Experience

While I use SBI Cashback as my go to card, I also have:

• Swiggy HDFC (BLCK): While the 10% on Swiggy, Instamart, and Dineout is great, the card is highly restricted. I tried using it for Amazon vouchers and AJIO jewelry—zero cashback. I keep it because I got it as a Lifetime Free (LTF) card for food delivery and dining.
• Amazon Pay ICICI: It’s a solid LTF card, but it’s “lazy.” It gives 5% on Amazon and almost nothing elsewhere. It has no “hacks” for fuel or utilities.
• Tata Neu Infinity (RuPay): This is my go-to for UPI spends (1.5% cashback) and the Tata ecosystem (Taj/Croma/TataCliq). I’ve stopped using it for utilities because of the new convenience fees. However, I frequently use it for Airport Lounge access.

Also check out the detailed comparison b/w SBI Cashback & SimplyClick Card.

RECOMMENDATION

Premium FD-Backed Card

IDFC First Wow Card

Lifetime Free

Build credit score effortlessly with high interest and travel benefits.

No credit score or income proof required

• Zero forex markup
• Earn ~6.5% p.a. on your FD
• Zero annual fee

Apply IDFC WOW Card

Safe & Secure | 100% Guaranteed Approval

RECOMMENDATION

Honest Pros & Cons

Pros

• Universal 5% cashback: Works on almost any website (Uber, Myntra, Apple, Zomato).
• Statement Credit: Real money, not “points” or “coins.”
• The Hack Factor: 5% on Utilities, Fuel, and Jewelry.

Cons

• Cap: ₹2,000 monthly limit on 5% spends.
• Extras: No lounge access or movie benefits.

Mobodaily Rating: 4.5/5

Final Verdict

Should you apply the SBI Cashback card in 2026?

Yes, definitely.

Tbh, if I had to choose one cashback card to carry, it would be the SBI Cashback Card.

Even with the April 2026 devaluation, its versatility is unmatched. By using the Amazon Pay and AJIO hacks mentioned above, I can force this card to give me 5% cashback on categories where every other card on this list fails.

Safe & Secure Via SBI Card

The Bottom Line: Don’t let the ₹999 fee scare you. If you spend at least ₹2,000 a month online, this card is literally free money.

Are you a SBI Cashback card user? Share your views in the comments!

FAQs

Disclaimer: I am not a financial advisor and this review is for educational purposes. The cashback figures and “hacks” mentioned in this post (such as the AJIO and Amazon Pay workarounds) are based on my personal usage and current credit card statements. Banks can change Merchant Category Codes (MCC) or terms and conditions at any time without prior notice. Always test with a small transaction first. Read full privacy policy and disclaimer here.

The post SBI Cashback Credit Card Review 2026: Still Worth It? appeared first on Mobodaily.

I’ve held this card for 6 years across 20+ credit cards — and I still carry it in my wallet today.

Here’s an honest SimplyClick card review of whether it still makes sense in 2026.

Card Overview

Fees

Claim ₹500 Amazon Voucher

Is ₹499 Fee Worth It?

Year 1 — yes, without question. The Amazon voucher covers the fee entirely.

From Year 2 onwards, the fee is waived if you spend ₹1 lakh in your anniversary year — that’s ₹8,334/month. A realistic target for anyone using this as their primary online shopping card.

Key Takeaway: Hitting the ₹1L fee waiver also unlocks a ₹2,000 Cleartrip/Yatra milestone voucher. Two benefits, one target.

RECOMMENDATION

Top Rated Travel Card

Scapia Card

Lifetime Free

Best beginner travel card with lounge access and zero forex markup.

₹1000 off on your first flight booking

• Unlimited lounge access
• Zero forex markup
• Zero annual fee

Claim ₹1000 Offer

Safe & Secure via Scapia App

RECOMMENDATION

Design & Hands-on Experience

SBI has quietly given the SimplyCLICK a serious design upgrade. The new card features a deep maroon finish with an embossed botanical pattern — easily one of the best-looking entry-level cards in India right now.

A few things worth noting from the physical card:

• Network: Visa Platinum — not Visa Signature, so lounge access via Visa is not available
• Contactless: Yes — the tap-to-pay symbol is on the front
• Chip: EMV chip enabled
• Name and card number: Printed on back (not embossed)

The welcome kit is clean and minimal — card, welcome letter, and T&C booklet.

Reward Points

Reward Rate

1 Reward Point = ₹0.25. Here’s what you earn:

Monthly cap: 10,000 points on online spends.

Zero points on: Rent, fuel, utilities, government transactions, wallet loads, cash advance, EMI conversions.

10X Partners

Simply put, you get 2.5% return spending online on these platforms: Apollo 24*7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq Fashion & Luxury.

Note: Cleartrip transactions from affiliate channels don’t qualify for 10X — book d irectly on app or website.

5X Partners

All other online spends — Amazon, Flipkart, Zomato, and any online merchant not listed above — earn 5 points per ₹100 (1.25% return).

RECOMMENDATION

Top Rated Shopping Card

Flipkart Axis Bank Card

₹500 (Waived at ₹3.5L spend)

Best cashback card for Flipkart, Myntra, & Cleartrip users.

Free flight voucher worth ₹1500

• 7.5% on Myntra, 5% on Flipkart & Cleartrip
• 4% on Swiggy, Uber, Cultfit, PVR
• 1% on all other spends

Claim ₹1500 Offer

Safe & Secure | Limited period offer

RECOMMENDATION

Reward Redemption

6 e-voucher options available on the SBICard rewards portal:

Points Validity: 2 years from the date of accumulation.

Redemption fee: ₹99 + GST per redemption request — debited to your card account.

Redemption tip: Pick Swiggy, Domino’s, Cleartrip, or Yatra based on what you actually use — best rate at ₹0.25/point. Don’t use any of these? Go for the Amazon Pay eGift Card — works like cash across 10,000+ merchants. Avoid the Amazon Prime voucher — worst rate at ₹0.20/point, and you can get Prime cheaper on gift card sites like GyfTr.

No Lounge Access

The SimplyCLICK is an online rewards card — not a travel card. It does not offer any airport lounge access, domestic or international.

If lounge access is important to you, pair it with a dedicated travel card. We’ve reviewed the best options with zero spend conditions here → Top 10 Lounge Access Credit Cards with no spend requirement

RECOMMENDATION

Top Rated Travel Card

Scapia Card

Lifetime Free

Best beginner travel card with lounge access and zero forex markup.

₹1000 off on your first flight booking

• Unlimited lounge access
• Zero forex markup
• Zero annual fee

Claim ₹1000 Offer

Safe & Secure via Scapia App

RECOMMENDATION

Milestones

Spend online and unlock up to ₹4,000 in milestone e-vouchers per year automatically:

I’ve personally received both vouchers on this card — screenshot above shows the actual SMS notifications for ₹1L and ₹2L milestones. Both were Yatra vouchers in my case — SBI Card decides which brand you get, you can’t choose.

What to know before you spend:

• Voucher is delivered via SMS with a redemption code.
• Valid on Yatra or Cleartrip for flights, hotels, and holidays.
• The ₹1L milestone also triggers your annual fee waiver — one target, two benefits: fee waived + ₹2,000 voucher.

My Experience

How I Got It

My first credit card — applied at SBI branch 6 years ago as an existing savings account holder. Approved with ₹54,000 limit. The application took 10+ days with zero proactive updates. Patience required.

Why I Still Hold It

One reason — instant discounts during Amazon and Flipkart sales. The SBI Cashback card gets excluded from these offers. SimplyCLICK doesn’t.

Points Revocation

I’ve been hit with reward forfeit fees multiple times. If you availed an instant discount on a transaction, SBI credits the points first — then revokes them the next month. Wait at least 3 months before redeeming points to avoid losing them.

SBI SimplyClick vs Cashback

Parameter	SBI SimplyCLICK	SBI Cashback
Annual Fee	₹499 + GST	₹999 + GST
Fee Waiver	₹1L annual spend	₹2L annual spend
Welcome Benefit	₹500 Amazon voucher	None
Eligibility	Easy — low income requirement, works for first-timers and thin credit files	Moderate — ₹30,000/month salaried or ₹5L ITR
Online Reward	2.5% on 10X partners · 1.25% elsewhere	5% on all online spends
Offline Reward	0.25%	1%
Merchant Restrictions	Yes — 10X only on specific partners	No — works everywhere online
Cashback Type	Reward points → e-vouchers	Direct statement credit
Monthly Cap	10,000 pts on 10X + 5X combined	₹2,000 online + ₹2,000 offline
Instant Discounts	Eligible during Amazon, Flipkart sales	Not eligible
Milestone Benefits	₹4,000 Cleartrip/Yatra vouchers	None
Lounge Access	None	None
Best For	Beginners · Specific partner spends · Sale shoppers	High online spenders · Simplicity

Check out the detailed comparison here →

Honest verdict

Pick SimplyCLICK for occasional bank offers and discounts. if you’re starting your credit card journey. It’s best first credit card to get.

Pick SBI Cashback for 5% back on all online spends. You can earn up to ₹24,000 cashback every year on any online spend.

I hold both — and both earn their place.

RECOMMENDATION

Premium FD-Backed Card

IDFC First Wow Card

Lifetime Free

Build credit score effortlessly with high interest and travel benefits.

No credit score or income proof required

• Zero forex markup
• Earn ~6.5% p.a. on your FD
• Zero annual fee

Apply IDFC WOW Card

Safe & Secure | 100% Guaranteed Approval

RECOMMENDATION

Honest Pros & Cons

Pros

• First year free — ₹500 Amazon voucher covers the ₹499 fee
• 2.5% return on 10X partner spends
• ₹4,000 in milestone vouchers annually
• Easy eligibility — ideal for first-timers and thin credit files
• Eligible for instant discounts during Amazon and Flipkart sales

Cons

• Points revocation on instant discount transactions — a silent, recurring trap
• Application process is slow — expect 10+ days with no updates
• Low offline value — 0.25% return makes it useless for offline spends

Mobodaily Rating

Category	Rating	Star Rating
Reward Earning	4.0 / 5
Welcome Benefit	5.0 / 5
Milestone Benefits	4.0 / 5
Fee Value	5.0 / 5
Eligibility	5.0 / 5
Customer Service	2.5 / 5
Overall Rating	4.1 / 5

Who Should Apply?

Apply If

• You’re getting your first credit card
• You have a limited or no credit history
• You shop regularly on Swiggy, Myntra, BookMyShow, Cleartrip, or other 10X partners
• You want to hunt instant discounts during Amazon and Flipkart sales
• You’re building towards the SBI Cashback card — use this for 3 months first

Skip If

• You spend heavily offline — 0.25% return is not worth it
• You want straightforward cashback with no partner restrictions — get SBI Cashback directly
• You already hold the SBI Cashback card and don’t shop during online sales
• You need lounge access — this card offers none

Claim ₹500 Amazon Gift Voucher

FAQs

Disclaimer: This review is based on my personal experience and publicly available information. Credit card benefits, fees, and partner lists are subject to change at SBI Card’s discretion — always verify the latest details on the official SBI Card website before applying. This post may contain affiliate links — if you apply through our links, we may earn a commission at no extra cost to you. Read the full privacy policy and disclaimer here.

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