SBI SimplyCLICK vs SBI ELITE vs ICICI Platinum Chip
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 | ICICI Platinum Chip |
|---|---|---|---|
| Bank | SBI | SBI | ICICI Bank |
| Card Type | Cashback | Super Premium | Entry Level |
| Annual Fee | ₹499 + GST | ₹4,999 + GST | ₹199 + GST |
| Joining Fee | ₹499 + GST | ₹4,999 + GST | ₹199 + GST |
| Rewards | 10X Reward Points on online partners | 2X reward points on dining, movies & grocery | 2 PAYBACK points per ₹100 on all spends |
| Best For | Direct Online Shopping | Premium Lifestyle | Budget Users |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹3,00,000 - ₹15,00,000 | ₹15,000 - ₹1,50,000 |
| Welcome Benefit | ₹500 Amazon gift card | 5000 bonus reward points | None |
| Min Income | ₹20,000/month | ₹60,000/month | ₹12,000/month |
| Lounge Access | None | Unlimited domestic + 6 international per year | None |
| 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 | 3.9 |
| 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
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
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.