What are the annual fees for SBI ELITE Credit Card and SBI SimplyCLICK Credit Card?

SBI ELITE Credit Card has ₹4,999 + GST. SBI SimplyCLICK Credit Card has ₹499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

SBI ELITE Credit Card earns about 0.5% on general spends; SBI SimplyCLICK Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.

Do online and offline rewards differ between them?

SBI ELITE Credit Card: same rate online and offline. SBI SimplyCLICK Credit Card: 1.25% online / 0.25% offline.

What is the forex markup on each card?

SBI ELITE Credit Card: 1.99%. SBI SimplyCLICK Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

SBI ELITE Credit Card: yes — see the lounge row above for limits. SBI SimplyCLICK Credit Card: none specified.

Card Comparison

SBI ELITE vs SBI SimplyCLICK

SBI ELITE vs SBI SimplyCLICKcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

SBI ELITE

SBI Card

Fee₹4,999+GST

Eff. rate0.5%

Cap₹10,000

Fee

₹4,999+GST

Eff. rate

0.5%

Cap

₹10,000

SBI SimplyCLICK

SBI Card

Fee₹499+GST

Eff. rate0.25%

Cap₹10,000

Fee

₹499+GST

Eff. rate

0.25%

Cap

₹10,000

Quick take

How they compare

SBI ELITE and SBI SimplyCLICK suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 13 partner deals vs 0. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

SBI ELITE

Annual fee: ₹4,999 + GST
Everyday rate: 0.5%
Monthly cap: ₹10,000/mo

Notable strengths

Low forex markup (2.0%)

SBI SimplyCLICK

Annual fee: ₹499 + GST
Everyday rate: 0.3%
Monthly cap: ₹10,000/mo

Notable strengths

Flat rewards on every spend

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

56 specs · 13 sections

SBI ELITE

SBI SimplyCLICK

Feature

SBI ELITE

SBI SimplyCLICK

Annual Fee

₹4,999

₹499

Joining Fee

₹4,999

₹499

Fee Waiver Spend

₹10,00,000

₹1,00,000

Forex Markup

1.99%

3.5%

Reward Type

Reward Points

Base Rate

0.5%

0.25%

Online Rate

0.5%

1.25%

Offline Rate

0.5%

0.25%

Effective Base Rate

0.5%

0.25%

Point Value

₹0.25

Redemption Quality

MEDIUM

Best Redemption

₹0.25

Worst Redemption

₹0.15

Amazon

—

1.25%

Apollo Pharmacy

—

2.5%

Bookmyshow

—

2.5%

Cleartrip

—

2.5%

Dominos

—

2.5%

Grocery / Supermarkets

2.5%

1.25% online / 0.25% offline

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

2.5%

1.25% online / 0.25% offline

Flights, Hotels, OTAs, Tour Operators

0.5%

1.25% online / 0.25% offline

Other Retail / Catch-all

0.5%

1.25% online / 0.25% offline

Monthly Cap

₹10,000

Est. Annual Cap

₹1,20,000

Total Excluded

4 categories

6 categories

Government / Tax Payments

Earns rewards

Excluded

Online Gaming / Betting

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

₹8,470

—

Forex Markup

1.99%

3.5%

Description

E-gift vouchers worth â‚¹5,000 from Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, or Shoppers Stop

Amazon Gift Card Worth Rs. 500

Estimated Value

₹5,000

₹400

Fuel Surcharge Waiver

Yes

Best Suited For

Movies, Travel, Dining, Grocery

individuals looking for an entry-level shopping credit card with minimal charges and a decent reward rate. Those who simply want an SBI Credit Card to enjoy ongoing offers can also consider this option, as it meets all the basic requirements and provides accelerated reward points across several popular brands and platforms.

Min Income

₹60,000/month

Not specified

Income Proof

Not required

Required

Secured FD

Accepting Applications

Yes

Network

Visa, Mastercard

Mastercard

Card Tier

Premium

Entry

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for SBI ELITE Credit Card and SBI SimplyCLICK Credit Card?: SBI ELITE Credit Card has ₹4,999 + GST. SBI SimplyCLICK Credit Card has ₹499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: SBI ELITE Credit Card earns about 0.5% on general spends; SBI SimplyCLICK Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.
Do online and offline rewards differ between them?: SBI ELITE Credit Card: same rate online and offline. SBI SimplyCLICK Credit Card: 1.25% online / 0.25% offline.
What is the forex markup on each card?: SBI ELITE Credit Card: 1.99%. SBI SimplyCLICK Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: SBI ELITE Credit Card: yes — see the lounge row above for limits. SBI SimplyCLICK Credit Card: none specified.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: SBI Card - SBI ELITE · SBI Card - SBI SimplyCLICK