Which credit card is the best SBI simply click credit card or SBI irctc credit card?

[kunal65]

I have a question regarding my current credit card situation. I currently hold the SBI Simply Click Credit Card, which has proven to be very beneficial for me. During sales on e-commerce platforms, I am able to avail every discount offered. However, the Simply Click card comes with an annual fee of Rs. 500.

I'm curious to know if switching to a co-branded card like the SBI IRCTC Card would allow me to still enjoy discounts on every e-commerce platform. The IRCTC card has an annual fee of only Rs. 300, which is significantly cheaper than the Simply Click card. If anyone possesses the SBI IRCTC Credit Card, I would appreciate an answer to this query.

 

[Skylar]

Card Name​	SBI simply click ​	SBI irctc credit card​
Reward Rate​	10X reward points on online partner brands: BookMyShow, Cleartrip, Swiggy, Apollo 24x7, Dominos, Myntra, Netmeds & Yatra.​ 5X reward points on all other online spends.​ 1 reward point per ₹100 spent offline.​	1 reward point for every ₹125 spent on all retail transactions except fuel.​ 5X reward points for every ₹100 spent on partner merchants.​ 1 reward point for every ₹100 spent on offline spends except fuel.​ 10% value-back as reward points, upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website/app​
Welcome Benefit​	Amazon voucher worth ₹500 on payment of joining fee.​ 350 bonus reward points worth ₹350 on card activation (subject to a single transaction of ₹500 or more within 45 days of card issuance).​	Get 350 activation bonus Reward Points on single transaction of Rs. 500 or more within 45 days of card issuance. Fuel and Cash spend are not included.​
Joining Fee​	588.82​	590​
Renewal Fees​	588.82 (waved on spending 1L in a year)​	354​
Milestone Benefits​	e-Vouchers worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh respectively​ e-Voucher Brand : Cleartrip / Yatra​	N/A​
Lounge Access​	N/A​	4 complimentary railway lounge access in a year (1 per quarter)​
Fuel Surcharge Waiver​	1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)​	​ Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges​
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[zacobite]

I have a question regarding my current credit card situation. I currently hold the SBI Simply Click Credit Card, which has proven to be very beneficial for me. During sales on e-commerce platforms, I am able to avail every discount offered. However, the Simply Click card comes with an annual fee of Rs. 500.

I'm curious to know if switching to a co-branded card like the SBI IRCTC Card would allow me to still enjoy discounts on every e-commerce platform. The IRCTC card has an annual fee of only Rs. 300, which is significantly cheaper than the Simply Click card. If anyone possesses the SBI IRCTC Credit Card, I would appreciate an answer to this query.

200 rs less is not big enough difference to make cc changes.. Look at your expenses and then decide the value derived.. do u train travel a lot then irctc card is gd.. else simply click is a gd card.. don't churn for small gains.. i always recommend a core card vs a co-branded one... always