American Express PAYBACK® Credit Card vs SBI SimplyClick Credit Card
Joining Fees
₹750
₹499
Editor's Rating
3.6
3.7
Key Features
- Earn multiple Points from more than 50 PAYBACK partners and 2 PAYBACK Points from American Express PAYBACK Credit Card for every Rs. 100 spent
- Milestone Benefits: Avail Flipkart vouchers worth Rs. 7,000 on spending Rs. 2.5 Lakh in a Card-membership year. Earn a Flipkart voucher worth Rs 2,000 on spending Rs. 1.25 Lakh in a Card-membership year. Additionally, earn a Flipkart voucher worth Rs. 5,000 on spending Rs. 2.5 Lakh in a Card-membership year
- Earn 2 PAYBACK Points for every Rs. 100 spent except for spend on Fuel, Insurance, Utilities, Cash Transactions and EMI conversion at Point of Sale. Boost the PAYBACK Points while shopping at over 50 PAYBACK partner brands
- The NEW American Express PAYBACK Credit Card provides a range of other exciting offers and privileges too. Other exciting offers are available on Fuel, Dining, Limited liability for card loss, Contactless Payment
- On joining SimplyCLICK SBI Card, get Amazon.in gift card worth Rs. 499
- On online spends with exclusive partners - Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra, earn 10X Reward Points
- Earn 5X rewards on all other online spends
- Earn 1 reward point per Rs. 100 on all other spends
- Get e-voucher worth Rs. 2,000 each on reaching annual online spends of Rs. 1 Lakh and Rs. 2 Lakhs respectively. Voucher Brand : Cleartrip/Yatra
- 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
- Spend Rs 1,00,000 and get annual fee reversed for the SimplyCLICK SBI card in the subsequent year
- Simply wave the card at a secured reader and the transaction will be done. Maximum payment of Rs. 5,000 allowed per contactless transaction
- Transfer outstanding balance of other banks’ credit cards to SimplyCLICK SBI Card, and avail a lower rate of interest and pay back in EMIs
- With Flexipay facility, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using SimplyCLICK SBI Card , and log in to sbicard.com within 30 days of purchase to convert it into Flexipay
Editor's Review
Pros
- Get rewarded on all your spends
- Reasonable Joining Fees
Cons
- No Fuel Surcharge Wavier
- No complimentary Airport Lounge Access
Pros
- Earn 1 reward point per Rs.100 on all other spends
- e-voucher worth Rs. 2,000 on annual online spends of Rs.1 Lakh
- e-voucher worth Rs. 2,000 on annual online spends of Rs.2 Lakhs
Cons
- No Golf/coaching sessions
- No particular benefits on travel, dining or entertainment
- Limited options for reward redemption
