SBI SimplyClick vs IDFC FIRST Wealth
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wealth wins 5-4. Lifetime-free premium, best zero-fee card in India. SBI SimplyClick is still the right call if first card for online buyers, low entry fee.
Side-by-side
| Criterion | SBI SimplyClick | IDFC FIRST Wealth |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | 10% (shopping) | · 3% (general) |
| Base reward rate | · 1.25% | 3% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = ₹500 gift voucher on ₹5,000 spend within 30 days of card generation |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | ₹300,000 | · ₹3,600,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | · 4.4/5 | 4.7/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
IDFC FIRST Wealth
- 3X reward points on eligible spends; 10X on dining and travel from the first eligible transaction
- 1 domestic + 1 international airport lounge visit per quarter, unlocked by ₹20,000 spend in the previous calendar month
- 1% fuel surcharge waiver
- Zero forex markup on international transactions
- Lifetime free, no annual fee, no fee-waiver math
FAQ
›SBI SimplyClick vs IDFC FIRST Wealth: which is better?
IDFC FIRST Wealth wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, IDFC FIRST Wealth for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. IDFC FIRST Wealth: ₹500 gift voucher on ₹5,000 spend within 30 days of card generation.