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SBI SimplyCLICK Credit Card vs IRCTC SBI Platinum Credit Card
Credit Card Review SBI

SBI SimplyCLICK Credit Card vs IRCTC SBI Platinum Credit Card: Which is Right for You?

The SBI SimplyCLICK Credit Card is designed for the digital-savvy shopper. It offers numerous benefits for online purchases, making it ideal for those who frequently shop from home.

Key Benefits

  • Rewards on Online Shopping: Earn 10X Reward Points on online spends with exclusive partners and 5X rewards on all other online purchases.
  • Welcome Offers: Receive an Amazon gift card as a welcome gift, providing immediate value upon card issuance.
  • Annual Fee Waiver: Get the annual fee waived on achieving a set annual spending threshold.

Additional Perks

  • E-vouchers as milestone rewards.
  • Fuel surcharge waiver across all petrol pumps.
  • Contactless technology for safer and faster payments.

IRCTC SBI Platinum Credit Card: Features and Benefits


Targeted at frequent travelers, especially those who prefer railways, the IRCTC SBI Platinum Credit Card offers benefits that enhance railway travel experiences along with other travel-related advantages.

Key Benefits

  • Savings on Railway Bookings: Save 10% on AC1, AC2, AC3, and AC CC bookings made through IRCTC.
  • Reward Points: Earn reward points for every purchase, with additional rewards on railway ticket purchases through the IRCTC website.
  • Travel Insurance: Complimentary travel accident insurance covering death or total permanent disability.

Additional Perks

  • 1% transaction charge waiver on railway ticket bookings on IRCTC.
  • Fuel surcharge waiver.
  • Offers on travel and dining.

Side-by-Side Comparison

Target Audience

  • SBI SimplyCLICK Credit Card is tailored for regular online shoppers, providing maximum rewards for digital spends.
  • IRCTC SBI Platinum Credit Card caters to regular railway travelers, offering significant savings and benefits related to train travel.

Rewards and Savings

  • SBI SimplyCLICK offers substantial rewards on all online purchases, making it highly beneficial for those who prefer shopping through e-commerce platforms.
  • IRCTC SBI Platinum focuses on savings during railway travel, making it ideal for those who frequently travel by train across India.

Fees and Charges

  • Both cards come with a nominal annual fee, but the fee waiver conditions differ slightly based on the card’s spending thresholds.

Best Uses

  • SBI SimplyCLICK is best utilized by frequent online shoppers looking to maximize their rewards.
  • IRCTC SBI Platinum is optimal for frequent railway passengers looking to save on travel costs and enjoy the travel conveniences it offers.

Also Read: The Top Lifetime Free Credit Cards in India: A Simple Guide


Your choice between the SBI SimplyCLICK Credit Card and the IRCTC SBI Platinum Credit Card should align with your primary spending habits and lifestyle needs. If your expenditures are predominantly online and you thrive on digital shopping, the SimplyCLICK Card will serve you well with its rewards and benefits tailored to e-commerce. Conversely, if you travel often by train and are looking to optimize your travel expenses and experience, the IRCTC SBI Platinum Card offers targeted perks that enhance railway travel.


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