SBI SimplyCLICK vs SC DigiSmart vs Canara RuPay 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 | SC DigiSmart | Canara RuPay Select |
|---|---|---|---|
| Bank | SBI | Standard Chartered | Canara Bank |
| Card Type | Cashback | Cashback | Entry Level |
| Annual Fee | ₹499 + GST | Lifetime Free | ₹500 + GST |
| Joining Fee | ₹499 + GST | Nil | ₹500 + GST |
| Rewards | 10X Reward Points on online partners | 5% cashback on Flipkart, Myntra, Swiggy, Zomato | 1 reward point per ₹100 spent |
| Best For | Direct Online Shopping | Online Shopping | Budget Users |
| 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 | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | ₹500 Amazon gift card | None | None |
| Min Income | ₹20,000/month | ₹20,000/month | ₹12,000/month |
| Lounge Access | None | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 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 | 3.8 |
| 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
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
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
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.