CASHBACK SBI Card vs SimplyCLICK SBI Card: Which Earns You More? (2026)
Most comparisons show a spec sheet. This one does the maths: set your monthly spend and pick how you redeem points to see the honest net annual value in ₹ for each card — caps, exclusions, fee waivers and milestones applied. Card details verified 2026-07.
Your monthly spend
₹50,000/moMost cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived at your spend
2SBI Card · fee waived at your spend
Smart verdict
Get the CASHBACK SBI Card — it earns you +₹995/yr over the SimplyCLICK SBI Card, mostly from your online shopping (general) spend.
It flips to the SimplyCLICK SBI Card if that drops to about ₹0/mo.
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
CASHBACK SBI Card vs SimplyCLICK SBI Card at different spend levels
- At ₹25,000/month, SimplyCLICK SBI Card nets ₹6,475/yr vs CASHBACK SBI Card at ₹5,040/yr — a ₹1,435 edge.
- At ₹50,000/month, CASHBACK SBI Card nets ₹9,660/yr vs SimplyCLICK SBI Card at ₹8,665/yr — a ₹995 edge.
- At ₹1,00,000/month, CASHBACK SBI Card nets ₹18,960/yr vs SimplyCLICK SBI Card at ₹12,880/yr — a ₹6,080 edge.
Worked examples use a typical category split at each spend level and cashback-mode point valuation. Your split changes the result.
Full specification comparison
| Feature | CASHBACK SBI CardSBI Card | SimplyCLICK SBI CardSBI Card |
|---|---|---|
| Annual fee | ₹999/yr | ₹499/yr |
| Fee waiver | Spend ₹2,00,000/yr | Spend ₹1,00,000/yr |
| Base reward | 1% cashback | 1 pts / ₹100 |
| Top categories | 5% online | 10x online, 5x online |
| Redemption | Auto credit | Moderate |
| Point expiry | Never expire | 24 months |
| Lounge access | None | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹100/mo | 1% waiver, up to ₹100/mo |
| Stated income | Not stated | Not stated |
| Recent devaluations | None recorded | None recorded |
| Verified against |
Frequently asked questions
Which is better, CASHBACK SBI Card or SimplyCLICK SBI Card?
At a typical ₹50,000/month spend (cashback redemption), CASHBACK SBI Card comes out ahead by about ₹995 per year, driven mostly by online shopping (general) spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, CASHBACK SBI Card or SimplyCLICK SBI Card?
CASHBACK SBI Card earns 1% as a base, while SimplyCLICK SBI Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for CASHBACK SBI Card and SimplyCLICK SBI Card?
CASHBACK SBI Card: ₹999 + GST per year, waived on ₹2,00,000 annual spend. SimplyCLICK SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend.
Do CASHBACK SBI Card and SimplyCLICK SBI Card earn rewards on rent, fuel and utilities?
Like most Indian cards, several everyday categories are excluded. CASHBACK SBI Card excludes fuel, utilities, insurance, rent; SimplyCLICK SBI Card excludes fuel, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is SimplyCLICK SBI Card ever the better pick over CASHBACK SBI Card?
Yes. Holding other spends constant, SimplyCLICK SBI Card overtakes once your online shopping (general) spend falls to roughly ₹0/month. Below that point the fee and base-rate maths flip in its favour.