SBI Simplyclick Credit Card vs Standard Chartered Priority Visa Infinite Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• For everyday spend, the Standard Chartered Priority Visa Infinite Credit Card ⓘ wins with a higher base reward rate of 1% compared to SBI Simplyclick’s 0.25%.
• For travel and lounge access, Standard Chartered Priority Visa Infinite Credit Card ⓘ is the clear winner, offering unlimited domestic lounge access and 6 international lounge visits per year.
• SBI Simplyclick Credit Card ⓘ is cheaper initially with a Rs 499 joining and annual fee, but Standard Chartered Priority Visa Infinite Credit Card ⓘ is lifetime free.
• Pick SBI Simplyclick Credit Card ⓘ if you are a first-time cardholder focused on online shopping and want a low-cost entry card. Choose Standard Chartered Priority Visa Infinite Credit Card ⓘ if you want premium travel benefits, lounge access, and no fees.

Side by Side

Rewards Compared

The SBI Simplyclick Credit Card ⓘ offers a base reward of Rs 25 on Rs 10,000 spent, which is quite modest. However, it shines in the online shopping category, where it returns Rs 250 per Rs 10,000 spent, reflecting a 2.5% effective reward rate. This makes it ideal for users who primarily shop online and want to maximize cashback in that category. Outside online spend, the returns are minimal, so it suits focused spenders.

The Standard Chartered Priority Visa Infinite Credit Card ⓘ delivers a solid Rs 100 reward on Rs 10,000 spent at the base rate of 1%. Its category rewards are slightly lower at 2% for both online and travel spends, yielding Rs 200 per Rs 10,000. This card is better balanced across categories, especially for travel enthusiasts who want consistent rewards plus premium benefits like lounge access. Overall, it provides more value on everyday spend than SBI Simplyclick except for online-specific purchases.

Fees Compared

The SBI Simplyclick Credit Card ⓘ charges a joining fee and annual fee of Rs 499 each, which can be waived if the cardholder spends Rs 1,00,000 annually or about Rs 8,333 per month. The break-even spend to cover the annual fee through base rewards alone is approximately Rs 1,99,600 (about Rs 2 lakh). This means casual spenders may end up paying the fee without much reward benefit unless they focus on online shopping.

In contrast, the Standard Chartered Priority Visa Infinite Credit Card ⓘ is lifetime free with no joining or annual fees. This removes any pressure to meet spend thresholds for fee waivers, making it a hassle-free premium option. The lower forex markup of 2% also reduces costs on foreign transactions compared to SBI Simplyclick’s 3.5%.

Which One Should You Pick

Choose the SBI Simplyclick Credit Card ⓘ if you are a first-time credit card user or a budget-conscious shopper who mainly spends online. The Rs 499 fee is reasonable and can be waived with moderate spend, and the 2.5% reward rate on online purchases is attractive. However, avoid this card if you want travel benefits or lounge access.

Opt for the Standard Chartered Priority Visa Infinite Credit Card ⓘ if you have a Priority Banking relationship and seek a premium card with excellent lounge privileges and a solid 1% base reward rate. The lifetime free fee structure and lower forex markup make it ideal for frequent travelers and those who want a versatile card without worrying about fee waivers. Skip this card if you do not have Priority Banking status or if you rarely travel.

Overall, for everyday and travel spend combined, Standard Chartered Priority Visa Infinite Credit Card ⓘ is the superior all-rounder, while SBI Simplyclick Credit Card ⓘ is a niche online shopping card for beginners.

What to Check Before You Apply

• Confirm the actual cap on online category rewards if any, as some cards limit bonus rewards.
• Verify the redemption value of points to ensure you get good value for your accumulated points.
• Calculate the monthly spend required to waive the SBI Simplyclick annual fee to avoid unexpected charges.
• Check the forex markup carefully if you travel abroad often, as SBI Simplyclick’s 3.5% is costly compared to Standard Chartered’s 2%.
• Review the domestic and international lounge locations and access rules to ensure they match your travel patterns.

FAQ