OneCard vs SBI SimplyCLICK
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
OneCard Credit Card wins 5 of 8 dimensions with a CardTrail Score of 7.2/10 vs 6.2/10.
| Feature | OneCard | SBI SimplyCLICK |
|---|---|---|
| CardTrail Score | 7.2/10 | 6.2/10 |
| Annual Fee | Free | ₹499 |
| Base Reward Rate | 1% | 0.25% |
| Max Reward Rate | 5% | 2.5% |
| Forex Markup | 1% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose OneCard
- You want a lifetime free card with zero annual cost
- You travel internationally — saves ₹2,500/year on ₹1L forex spend
- You want higher rewards — up to 5% vs 2.5%
- Your primary spend is: cashback, beginner, design
When to Choose SBI SimplyCLICK
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: online-shopping, beginner
Forex Cost Comparison
On ₹1,00,000 annual international spending: OneCard costs ₹1,180 in forex fees vs SBI SimplyCLICK at ₹4,130. You save ₹2,950/year with OneCard.
Annual Fee Value Analysis
To break even on SBI SimplyCLICK's ₹499 fee at 0.25% rewards, spend ₹16,633/month.
OneCard is lifetime free — no break-even needed.