IndusInd Platinum AUra Edge Credit Card vs SBI Simplyclick Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• The IndusInd Platinum AUra Edge Credit Cardⓘ wins for everyday spend with a higher base reward rate of 0.7% and strong category rewards.
• The SBI Simplyclick Credit Cardⓘ offers better rewards specifically for online shopping at 2.5%, making it ideal for focused online spenders.
• The IndusInd card is cheaper to hold with no joining or annual fees, while the SBI Simplyclick demands Rs 499 for both, waivable on Rs 1,00,000 annual spend.
• Choose IndusInd Platinum AUra Edge if you want a no-fee, broad rewards card for dining, groceries, and online. Pick SBI Simplyclick if you regularly shop online and can meet the fee waiver threshold.

Side by Side

Rewards Compared

Spending Rs 10,000 on the IndusInd Platinum AUra Edge Credit Cardⓘ earns Rs 70 back at the base rate. However, if your spending is focused on dining, grocery, or online shopping categories, the effective return triples to Rs 210 per Rs 10,000 spent, reflecting a strong 2.1% reward rate in these key areas. This makes it a versatile card for everyday expenses across common spend categories.

On the other hand, the SBI Simplyclick Credit Cardⓘ offers a base reward rate of just 0.25%, translating to Rs 25 back on Rs 10,000 spent. Its standout feature is a higher 2.5% reward rate on online purchases, yielding Rs 250 for the same spend. This makes SBI Simplyclick particularly attractive for those who mainly shop online, but less rewarding for other spends.

Fees Compared

The IndusInd Platinum AUra Edge Credit Card has no joining fee and no annual fee ever, which is straightforward and cost effective for all users. The SBI Simplyclick Credit Card charges Rs 499 for both joining and annual fees. However, this fee is waived if you spend Rs 1,00,000 annually, which breaks down to about Rs 8,333 per month.

If you do not meet this waiver threshold, the SBI Simplyclick fee significantly reduces its value proposition. You need to spend approximately Rs 1,99,600 annually for the base reward rate alone to cover the Rs 499 annual fee, meaning high spenders benefit the most. In contrast, the IndusInd card offers a lifetime free experience with decent rewards, making it cheaper to hold for low and medium spenders.

Which One Should You Pick

Choose the IndusInd Platinum AUra Edge Credit Cardⓘ if you want a no-fee card with good rewards across dining, grocery, and online shopping categories. It suits first-time cardholders and those who prioritize a straightforward, lifetime-free card without having to worry about fee waivers. It is also ideal for shoppers who want decent returns on a wide range of spends without locking in a high annual fee.

The SBI Simplyclick Credit Cardⓘ is best for people who shop heavily online and can consistently spend at least Rs 8,333 monthly to waive the fee. It rewards online purchases generously and comes with a welcome Amazon gift card worth Rs 500, adding short-term value. However, if you do not meet the fee waiver, or if your spending is more varied across categories, this card may not be cost-effective.

In conclusion, if you want a simple, no-fee card with solid rewards, go for IndusInd Platinum AUra Edge. If your spend is focused online and you can spend enough to waive fees, SBI Simplyclick is worth considering. Those who dislike paying fees or cannot meet spending thresholds should skip SBI Simplyclick, and those who want higher category rewards on online spending should avoid IndusInd Platinum AUra Edge.

What to Check Before You Apply

• Check if your typical spend aligns with the category rates offered, especially for online shopping and dining.
• Understand the redemption options and value of points, as these can affect overall reward worth.
• Calculate if you can easily meet the fee waiver annual spend of Rs 1,00,000 on SBI Simplyclick.
• Consider the 3.5% forex markup on both cards if you plan to use them for international transactions.
• Note that neither card provides domestic or international lounge access, so travelers should look elsewhere.

FAQ