Head-to-head · 🇮🇳 India
SBI SimplyClick vs Kotak White Reserve
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 7 of 10
IN
Premium
Kotak Mahindra Bank
Kotak White Reserve
Wins 2 of 10
Verdict
SBI SimplyClick wins 7-2. First card for online buyers, low entry fee Kotak White Reserve is still the right call if ultra-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | SBI SimplyClick | Kotak White Reserve |
|---|---|---|
| Annual fee | ₹499 | · ₹12,500 |
| Joining fee | ₹499 | · ₹12,500 |
| Top reward rate | 10% (shopping) | · Milestone |
| Base reward rate | 1.25% | · Milestone |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | Amazon e-gift voucher worth ₹500 | · N/A |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,000,000 / yr |
| Min income | = ₹300,000 | = Not verified |
| Min credit score | 700 | · N/A |
| Editorial rating | · 4.4/5 | 4.6/5 |
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 Reserve
- Milestone White Pass rewards, up to ₹2.5 lakh value per year
- Club Marriott membership (up to 25% off dining in India, up to 20% across Asia Pacific)
- 2% forex markup
- Annual fee waived at ₹10 lakh annual spend
FAQ
›SBI SimplyClick vs Kotak White Reserve: which is better?
SBI SimplyClick wins on more dimensions (7 vs 2). 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 Reserve 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 Reserve doesn't list a welcome bonus.