SBI SimplyCLICK vs SC DigiSmart
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 | SBI | Standard Chartered |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹499 + GST | Lifetime Free |
| Joining Fee | ₹499 + GST | Nil |
| Rewards | 10X Reward Points on online partners | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Direct Online Shopping | Online Shopping |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹3,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | ₹500 Amazon gift card | None |
| Min Income | ₹20,000/month | ₹20,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | ₹249 + GST | Free |
| Rating | 4.3 | 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
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
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: SBI SimplyCLICK or SC DigiSmart?
SBI SimplyCLICK has the higher CardKhoj rating (4.3/5) and is best for direct online shopping. SC DigiSmart is the better fit if your priority is online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: SBI SimplyCLICK and SC DigiSmart?
SC DigiSmart is cheaper to hold at Lifetime Free, compared with ₹499 + GST for SBI SimplyCLICK.
Do SBI SimplyCLICK and SC DigiSmart 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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