BOB Financial Select vs SBI SimplyClick Credit Card
Joining Fees
₹750
₹499
Editor's Rating
4.3
3.7
Key Features
- 5X rewards on Dining, Utility bills, Online spends; 1x on others
- 1,000 bonus rewards points every month
- Zero Fuel Surcharge
- Zero Annual Fees basis card usage
- 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
- Easy EMI Option
- Multiple redemption options
- In-built insurance cover
Cons
- No Golf Privileges
- No 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
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