American Express SmartEarn vs SBI SimplyCLICK
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
American Express SmartEarn Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.9/10 vs 6.2/10.
| Feature | American Express SmartEarn | SBI SimplyCLICK |
|---|---|---|
| CardTrail Score | 7.9/10 | 6.2/10 |
| Annual Fee | ₹495 | ₹499 |
| Base Reward Rate | 0.5% | 0.25% |
| Max Reward Rate | 10% | 2.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Amex | Visa |
When to Choose American Express SmartEarn
- You can meet the fee waiver condition: Spend ₹40K/year
- You want higher rewards — up to 10% vs 2.5%
- Your primary spend is: online-shopping, beginner
When to Choose SBI SimplyCLICK
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: online-shopping, beginner
Annual Fee Value Analysis
To break even on American Express SmartEarn's ₹495 fee at 0.5% rewards, spend ₹8,250/month.
To break even on SBI SimplyCLICK's ₹499 fee at 0.25% rewards, spend ₹16,633/month.