Kotak Urbane Gold Credit Card vs SBI SimplyClick Credit Card

Joining Fees

₹199

₹499

Editor's Rating

4.2

3.7

Key Features

  • Avail 3X Reward Points per Rs. 100 spent across all categories
  • Pay with Reward Points at selected merchant outlets
  • Spend Rs. 1, 00,000 in a year and get 4 free PVR tickets or 10,000 reward points
  • If the Credit Card is stolen, get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre-reporting 
  • 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

  • Earn 3X Reward Points against retail spends of Rs.100
  • Get 4 PVR tickets or 10,000 Reward Points on annual
  • This card is good for those who spend frequently on various categories like retail shopping, groceries, etc. 

Cons

  • No Golf Privileges 
  • No Concierge Services 
  • 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

To know more on this credit card please click here


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