ICICI Platinum Chip vs SBI SimplyCLICK
Side-by-side credit card comparison to help you choose the best one.
SBI SimplyCLICK
Why this card wins: Direct Online Shopping — 10X Reward Points on online partners
| Feature | ||
|---|---|---|
| Bank | ICICI Bank | SBI |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹199 + GST | ₹499 + GST |
| Joining Fee | ₹199 + GST | ₹499 + GST |
| Rewards | 2 PAYBACK points per ₹100 on all spends | 10X Reward Points on online partners |
| Best For | Budget Users | Direct Online Shopping |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹15,000 - ₹1,50,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | None | ₹500 Amazon gift card |
| Min Income | ₹12,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST |
| Rating | 3.9 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
ICICI Platinum Chip
Budget Users
Visa • Entry Level
- Lowest annual fee ICICI card
- Fuel surcharge waiver
- Contactless payments enabled
- Easy upgrade path to Coral/Sapphiro
SBI SimplyCLICK
Direct Online Shopping
Visa • Cashback
- Amazon gift card worth ₹500 on joining
- 5X Reward Points on other online spends
- Fee waiver on ₹1,00,000 annual spend
- Contactless technology enabled
Verdict
Based on rating and overall value, SBI SimplyCLICK ranks highest among your selected cards. It excels at Direct Online Shopping and offers 10X Reward Points on online partners.
Frequently asked questions
Which is better: ICICI Platinum Chip or SBI SimplyCLICK?
SBI SimplyCLICK has the higher CardKhoj rating (4.3/5) and is best for direct online shopping. ICICI Platinum Chip is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: ICICI Platinum Chip and SBI SimplyCLICK?
ICICI Platinum Chip is cheaper to hold at ₹199 + GST, compared with ₹499 + GST for SBI SimplyCLICK.
Do ICICI Platinum Chip and SBI SimplyCLICK offer airport lounge access?
No. None of these cards include complimentary airport lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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