SBI SimplyCLICK vs SBI ELITE vs BoB Eterna
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | SBI SimplyCLICK | SBI ELITE | BoB Eterna |
|---|---|---|---|
| Bank | SBI | SBI | Bank of Baroda |
| Card Type | Cashback | Super Premium | Premium |
| Annual Fee | ₹499 + GST | ₹4,999 + GST | ₹2,499 + GST |
| Joining Fee | ₹499 + GST | ₹4,999 + GST | ₹2,499 + GST |
| Rewards | 10X Reward Points on online partners | 2X reward points on dining, movies & grocery | 6 reward points per ₹100 on all spends |
| Best For | Direct Online Shopping | Premium Lifestyle | Travel & Dining |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹3,00,000 - ₹15,00,000 | ₹1,50,000 - ₹5,00,000 |
| Welcome Benefit | ₹500 Amazon gift card | 5000 bonus reward points | 2000 bonus reward points |
| Min Income | ₹20,000/month | ₹60,000/month | ₹40,000/month |
| Lounge Access | None | Unlimited domestic + 6 international per year | 8 domestic + 4 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹500-₹3,000 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 | 4.6 | 4.3 |
| Contactless | |||
| EMI Conversion |
Key Features
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
Our Pick
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.