Which card has a lower forex fee: SBI SimplyCLICK Credit Card or Tata Neu Plus SBI Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: SBI SimplyCLICK Credit Card or Tata Neu Plus SBI Card?

Both cards have the same annual fee (₹499 annual fee).

Which card offers better lounge access?

SBI SimplyCLICK Credit Card: No complimentary lounge access. Tata Neu Plus SBI Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

SBI Card SimplyCLICK Visa vs SBI Card Tata Neu Plus Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the SBI Card SimplyCLICK Visa and the SBI Card Tata Neu Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.

SimplyCLICK Visa

Tata Neu Plus

The short answer

Verdict

Pick Tata Neu Plus for lounge access and upi.

Head-to-head

Three core metrics

Annual fee

SimplyCLICK Visa ₹499 Waivable at ₹1,00,000 spend

Tata Neu Plus ₹499 Waivable at ₹1,00,000 spend
Forex markup

SimplyCLICK Visa 3.5%

Tata Neu Plus 3.5%
Domestic lounge

SimplyCLICK Visa No complimentary lounge access

Tata Neu Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)

Tata Neu Plus: +4 lounge visits/yr

Reward earning explained

Per card

SimplyCLICK Visa

1 pt / ₹100 · Up to 10 pts / ₹100 on online spend

Strong data

Tata Neu Plus

1 NeuCoins / ₹100 · Up to 5 NeuCoins / ₹100 on Tata Neu Select Accelerated

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (SBI Card SimplyCLICK Visa: ₹499 vs SBI Card Tata Neu Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 4/year (1 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access SBI Card Tata Neu Plus wins

SBI Card Tata Neu Plus is better for lounge access

SBI Card Tata Neu Plus is stronger here. Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: SBI Card SimplyCLICK Visa is not safely INR-comparable (no usable point value). SBI Card Tata Neu Plus conservative base value ~1% per ₹100.

SimplyCLICK Visa: Strong data Tata Neu Plus: Strong data
upi SBI Card Tata Neu Plus wins

SBI Card Tata Neu Plus is better for UPI usage

SBI Card Tata Neu Plus is stronger here. Supports UPI via RuPay network.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Plus SBI Card: ~₹500/month at base rate
SBI SimplyCLICK: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	SimplyCLICK Visa SBI Card	Tata Neu Plus SBI Card
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
International lounge visits Only available for Tata Neu Plus SBI Card	Not specified	No international lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee	₹499	₹499
Annual-fee waiver	₹1,00,000	₹1,00,000
Monthly interest rate	3.75% / month	3.75% / month
Late-payment charge Only available for SBI SimplyCLICK	₹100–₹1,100 depending on outstanding balance	Not specified
Fuel benefit Only available for SBI SimplyCLICK	Surcharge waiver available · ₹400+ transactions · ₹100/month waiver cap	Not specified
Rewards
Points per ₹100 1 pt / ₹100 vs 1 NeuCoins / ₹100	1 pt / ₹100	1 NeuCoins / ₹100
Conservative base value Not safely INR-comparable vs ~1%	Not safely INR-comparable	~1%
Earn ceiling 10,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend vs 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend	10,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend	1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Plus SBI Card	Not specified	₹1
Point validity Only available for Tata Neu Plus SBI Card	Not specified	2 years

Notes

Tata Neu Plus SBI Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

SBI Card SimplyCLICK Visa

Verify with issuer

SBI Card Tata Neu Plus

Verify with issuer