Shortlist 2–4 cards
This page compares two cards side-by-side so you can pick the better fit. Use it to verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | American Express SmartEarn | SBI SimplyCLICK |
|---|---|---|
| Annual fee | ₹495 | ₹499 |
| Forex fee | 3.5% | 3.5% |
| Domestic lounge | Not specified | No lounge access |
Start with the constraint you care about most: annual fee (American Express SmartEarn: ₹495 vs SBI SimplyCLICK: ₹499), forex markup (3.5% vs 3.5%), or lounge access (Not specified vs No lounge access).
When the headline numbers look similar
Explore: American Express SmartEarn card page · SBI SimplyCLICK card page · best credit cards in India
Source: Card issuer official terms
Open source (opens in new tab)Source: SBI Card official terms
Open source (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| American Express SmartEarn AMEX | SBI SimplyCLICK SBI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Only available for SBI SimplyCLICK | Not specified | No lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹495 vs ₹499 | ₹495 | ₹499 |
| Joining fee ₹495 vs ₹499 | ₹495 | ₹499 |
| Fee waiver spend Only available for SBI SimplyCLICK | Not specified | ₹1,00,000 |
| Rewards | ||
| Points per ₹100 Only available for American Express SmartEarn | 2 pts | Not specified |
| Point cash value Only available for SBI SimplyCLICK | Not specified | ₹0.25 |