SBI SimplyCLICK Credit Card
First-time online shoppers looking for an easy-approval bank card.
Main trade-off
Base reward rate for offline stores is quite low (0.25%). Best used exclusively for digital purchases.
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| Feature | SBI Card SBI SimplyCLICK Credit Card | IDFC FIRST Bank IDFC FIRST SWYP Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | IDFC FIRST Bank |
| Network | Visa | Mastercard |
| Annual fee | ₹499 + GST per year | ₹499 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | No waiver recorded |
| Base reward rate | 0.3% | 0% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | 10X partner points: ₹2,500/month · 5X online points: ₹2,500/month | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 0% |
| Monthly income requirement | Approx. ₹20,000/month | Not listed |
| Terms verified | 13 Sept 2026 | 23 Sept 2026 |
| Best suited to | First-time online shoppers looking for an easy-approval bank card. | Young UPI users who can meet monthly spend conditions and use domestic lounges. |
| Main trade-off | Base reward rate for offline stores is quite low (0.25%). Best used exclusively for digital purchases. | The physical SWYP card is Mastercard, not RuPay, and its lounge benefit is railway-only. The optional FIRST Digital RuPay companion costs ₹199 annually and is not bundled into the main-card economics. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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