In today’s digital age, credit cards have become an essential financial tool for many, providing convenience, security, and an opportunity to build credit. Among the myriad of options available, the SBI SimplyClick Credit Card and the BoB Easy Credit Card stand out as popular choices for their unique benefits tailored to different consumer needs. This blog post will delve into a detailed comparison of these two credit cards, helping you understand which card may be more suitable for your spending habits and financial goals.

SBI SimplyClick Credit Card and

Overview of SBI SimplyClick Credit Card

Key Features

The SBI SimplyClick Credit Card is designed for the tech-savvy user who frequently shops online. Here are some of its standout features:

  • Rewards: Earn 10x reward points on online spends with exclusive partners and 5x points on all other online purchases.
  • Annual Fee: ₹499, which can be waived off on annual spending of ₹1,00,000 or more.
  • Welcome Gift: Receive an gift card worth ₹500 on joining.
  • Fuel Surcharge Waiver: Available at any petrol pump across India for transactions between ₹500 to ₹3,000.

Benefits for Online Shoppers

This card offers significant rewards and benefits for those who prefer shopping online. It includes partnerships with leading e-commerce platforms, providing additional value back on spending.

Overview of BoB Easy Credit Card

Key Features

The BoB Easy Credit Card is aimed at providing a hassle-free credit experience with low-cost features:

  • Rewards: Earn 5 reward points for every ₹100 spent on groceries, departmental stores, and movies.
  • Annual Fee: None, which makes it cost-effective for the budget-conscious user.
  • Joining Perks: No joining fee and no specific welcome gifts.
  • Cashback: 0.5% cashback on all card spends with no caps on earnings.

Benefits for Everyday Use

With no annual fee and a simple reward structure, the BoB Easy Credit Card is ideal for everyday expenses like grocery shopping and entertainment. It’s particularly suited to those who want a straightforward, no-frills credit card.

Detailed Comparison: Which One Suits You Better?

Spending Habits

  • Online Shopping: If a significant portion of your budget goes to online shopping, the SBI SimplyClick Credit Card provides more value with higher rewards rates on e-commerce platforms.
  • Everyday Spending: For regular expenses on groceries and movies, the BoB Easy Credit Card may be more beneficial with its reward points system and cashback feature.

Fees and Charges

  • The SBI SimplyClick comes with a modest annual fee that can be waived, which is a minor commitment for frequent online shoppers who can easily meet the waiver criteria through regular spending.
  • The BoB Easy Credit Card offers zero annual fees, appealing to those who prefer not to commit to minimum spend thresholds to avoid fees.

Also Read: The Ultimate Guide to the Best SBI Credit Card for Students


  • For Online Shoppers: If you spend a lot online, particularly with partner brands, the SBI SimplyClick Credit Card might be more beneficial due to its high rewards rate on online shopping.
  • For General Use and Utility Payments: If your spending is more varied and includes a lot of utility bill payments, the BoB Easy Credit Card might be a better fit, especially with its cashback benefits on these payments.

Choose the card that aligns best with where you tend to make the majority of your purchases and which card’s benefits will be most advantageous based on your personal spending pattern.

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