SBI SimplyClick vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI SimplyClick wins 8-0. First card for online buyers, low entry fee Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | SBI SimplyClick | Kotak White |
|---|---|---|
| Annual fee | ₹499 | · ₹3,000 |
| Joining fee | ₹499 | · ₹3,000 |
| Top reward rate | 10% (shopping) | · Milestone |
| Base reward rate | 1.25% | · Milestone |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | ₹100,000 / yr | · ₹500,000 / yr |
| Min income | ₹300,000 | · ₹2,500,000 |
| Min credit score | 700 | · N/A |
| Editorial rating | 4.4/5 | · 4.3/5 |
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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›SBI SimplyClick vs Kotak White: which is better?
SBI SimplyClick wins on more dimensions (8 vs 0). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, Kotak White 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. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.