# SBI Cashback vs SBI SimplyCLICK

SBI Cashback costs ₹999 a year and SBI SimplyCLICK ₹499. They match on the forex markup, airport lounge access, transfer partners and the network.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [SBI Cashback](https://getbrief.cards/cards/sbi-cashback), SBI Card
- [SBI SimplyCLICK](https://getbrief.cards/cards/sbi-simplyclick), SBI Card

| | SBI Cashback | SBI SimplyCLICK |
|---|---|---|
| Annual fee | ₹999 + GST | ₹499 + GST |
| Fee waiver | Waived at ₹2,00,000 spend per card year | Waived at ₹1,00,000 spend per card year |
| Forex markup | 3.5% | 3.5% |
| On ₹1,00,000 spent abroad | ₹4,130 in markup and GST | ₹4,130 in markup and GST |
| Network | Visa | Visa |
| Everyday spend | 1% offline (cap ₹2,000/cycle; overall ₹4,000/cycle combined) | 1 RP / ₹100 offline (0.25%) |
| Rewards in | Cashback | SBI Reward Points, ₹0.25 a point at the bank’s baseline |
| Transfer partners | None | None |
| Airport lounges | None | None |
| Spend milestones | None | 2 milestones |
| Applications | Open | Open |
| Last checked | 26 October 2026 | 17 October 2026 |

## How each one earns

### SBI Cashback

- 1% offline (cap ₹2,000/cycle; overall ₹4,000/cycle combined) · ✓ official · checked 26 October 2026
- 5% on all online spend (cap ₹2,000/cycle, from 1 Apr 2026) · excluded categories earn nothing · ✓ official · checked 26 October 2026
- 5% cashback on a CRED gift card charged through Razorpay (posts as online spend, not as a gift shop) · community-verified · checked 3 October 2026

Every rule on the SBI Cashback page: https://getbrief.cards/cards/sbi-cashback

### SBI SimplyCLICK

- 1 RP / ₹100 offline (0.25%) · ✓ official · checked 14 June 2026
- 10 RP / ₹100 on online partners (2.5%) · ✓ official · checked 17 October 2026
- 5 RP / ₹100 on all other online spend (1.25%), cap 10K RP/calendar mo, then 1 RP/₹100 · ✓ official · checked 9 October 2026

Every rule on the SBI SimplyCLICK page: https://getbrief.cards/cards/sbi-simplyclick


## Questions

### What is the annual fee of SBI Cashback and SBI SimplyCLICK?

As of 26 October 2026, SBI Cashback: ₹999 + GST, waived at ₹2,00,000 spend per card year. SBI SimplyCLICK: ₹499 + GST, waived at ₹1,00,000 spend per card year.

### Which charges less on spend abroad, SBI Cashback or SBI SimplyCLICK?

As of 26 October 2026, both charge a 3.5% markup: ₹4,130 on ₹1,00,000 spent abroad, GST included.


## Other cards side by side

- [SBI SimplySAVE vs SBI SimplyCLICK](https://getbrief.cards/compare/sbi-simplysave-vs-sbi-simplyclick)
- [HDFC Millennia vs SBI Cashback](https://getbrief.cards/compare/hdfc-millennia-vs-sbi-cashback)
- [SBI Cashback vs Flipkart SBI Card](https://getbrief.cards/compare/sbi-cashback-vs-flipkart-sbi)
- [SBI Cashback vs Axis Bank ACE](https://getbrief.cards/compare/sbi-cashback-vs-axis-ace)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/sbi-cashback-vs-sbi-simplyclick