SBI SimplyCLICK vs SBI ELITE vs OneCard Metal
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 | OneCard Metal |
|---|---|---|---|
| Bank | SBI | SBI | OneCard (FPL) |
| Card Type | Cashback | Super Premium | Premium |
| Annual Fee | ₹499 + GST | ₹4,999 + GST | Lifetime Free |
| Joining Fee | ₹499 + GST | ₹4,999 + GST | Nil |
| Rewards | 10X Reward Points on online partners | 2X reward points on dining, movies & grocery | 5X reward points on top 2 spend categories |
| Best For | Direct Online Shopping | Premium Lifestyle | Tech-Savvy Users |
| 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 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | ₹500 Amazon gift card | 5000 bonus reward points | None |
| Min Income | ₹20,000/month | ₹60,000/month | ₹20,000/month |
| Lounge Access | None | Unlimited domestic + 6 international per year | 4 domestic 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 | 3.0% + GST |
| Add-On Card Fee | ₹249 + GST | Free | Not available |
| Rating | 4.3 | 4.6 | 4.6 |
| 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
OneCard Metal
Tech-Savvy Users
Visa • Premium
- Metal card — no annual fee ever
- Auto-detects your top spend categories for 5X
- Real-time spend analytics in app
- Instant EMI conversion on any purchase
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.