SBI SimplyCLICK vs Kotak Royale Signature vs BoB Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI SimplyCLICK
4.3
Why this card wins: Direct Online Shopping — 10X Reward Points on online partners
| Feature | SBI SimplyCLICK | Kotak Royale Signature | BoB Select |
|---|---|---|---|
| Bank | SBI | Kotak Mahindra | Bank of Baroda |
| Card Type | Cashback | Premium | Entry Level |
| Annual Fee | ₹499 + GST | ₹999 + GST | ₹499 + GST |
| Joining Fee | ₹499 + GST | ₹999 + GST | ₹499 + GST |
| Rewards | 10X Reward Points on online partners | 4 reward points per ₹150 on all spends | 2 reward points per ₹100 spent |
| Best For | Direct Online Shopping | Travel & Entertainment | Everyday Spending |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹1,00,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | ₹500 Amazon gift card | 500 reward points on activation | 500 reward points on first spend |
| Min Income | ₹20,000/month | ₹25,000/month | ₹15,000/month |
| Lounge Access | None | 8 domestic + 2 international per year | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹249 + GST | Free | Free |
| Rating | 4.3 | 4.3 | 4 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
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
Kotak Royale Signature
Travel & Entertainment
Visa Signature • Premium
- 8 complimentary domestic lounge visits per year
- 2 complimentary international lounge visits
- 1% fuel surcharge waiver
- Milestone benefits on annual spending
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
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.