IndusInd Bank Platinum Aura Edge Credit Card vs SBI SimplyCLICK Credit Card
How IndusInd Bank Platinum Aura Edge Credit Card and SBI SimplyCLICK Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while SBI SimplyCLICK Credit Card carries a fee (₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend)). If you won't reliably hit SBI SimplyCLICK Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep.
IndusInd Bank Platinum Aura Edge Credit Card — better for someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it.
SBI SimplyCLICK Credit Card — better for online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card.
Side by side
| IndusInd Bank Platinum Aura Edge Credit CardIndusInd Bank | SBI SimplyCLICK Credit CardSBI Card | |
|---|---|---|
| Annual fee | ₹0 joining + ₹0 annual (lifetime free; no spend-based waiver needed) | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) |
| Reward rate | 4 RP per ₹100 on chosen plan category (marketed as "up to 8X" vs 0.5 RP base), 0.5 RP per ₹100 on other spends; 1 RP = ₹0.40 on cash redemption (₹0.50 on catalogue), capped at 2,500 RP redeemable per month/cycle | 10 RP/₹100 on partner-brand online spends, 5 RP/₹100 on other online spends (combined cap 10,000 RP/month), 1 RP/₹100 on all other spends; 1 RP = ₹0.25 |
| Lifetime-free | Yes | No |
| Network | Visa | Visa / Mastercard |
| Eligibility | Age 18+ (approx); salaried or self-employed with steady income and good credit score (approx 750+); exact minimum income not officially published | Age approx 18-65 (some aggregators say 21-70); salaried or self-employed with regular income, approx ₹20,000/month minimum |
| Best for | Someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. | Online shoppers who spend heavily on partner brands like Amazon, Myntra, Swiggy, BookMyShow and Cleartrip and want a low-fee rewards card. |
IndusInd Bank Platinum Aura Edge Credit Card
- 4 RP/₹100 on your chosen plan category (Shop/Home/Travel/Party), 0.5 RP/₹100 elsewhere; 1 RP = ₹0.40 (cash), max 2,500 RP/cycle redeemable
- 1% fuel surcharge waiver on fuel spends of approx ₹400 to ₹4,000 (capped approx ₹100/cycle)
- No joining fee and no annual fee ever (lifetime free); complimentary air accident insurance up to ₹25 lakh
SBI SimplyCLICK Credit Card
- 10X Reward Points on partner-brand online spends and 5X on all other online spends (combined cap 10,000 RP/month); 1 RP = ₹0.25
- Welcome Amazon e-gift card worth ₹500 on joining; Cleartrip/Yatra e-voucher worth ₹2,000 each on ₹1L and ₹2L annual online spend milestones
- 1% fuel surcharge waiver on transactions of ₹500 to ₹3,000 (max ₹100 per month)
IndusInd Bank Platinum Aura Edge Credit Card vs SBI SimplyCLICK Credit Card — FAQs
Neither is universally better. IndusInd Bank Platinum Aura Edge Credit Card suits someone who wants a genuinely no-fee (lifetime-free) card and is happy to pick one spend category (shopping, groceries, travel or dining) to earn a boosted reward rate on it. SBI SimplyCLICK Credit Card suits online shoppers who spend heavily on partner brands like amazon, myntra, swiggy, bookmyshow and cleartrip and want a low-fee rewards card. Compare the annual fee and reward rate above against your own spending — that's what decides it.
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free, while SBI SimplyCLICK Credit Card carries a fee (₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend)). If you won't reliably hit SBI SimplyCLICK Credit Card's waiver spend, IndusInd Bank Platinum Aura Edge Credit Card is the cheaper card to keep. On rewards, IndusInd Bank Platinum Aura Edge Credit Card gives lifetime-free card earning 4 reward points per ₹100 (8x the 0.5 rp base) on your chosen plan category whereas SBI SimplyCLICK Credit Card gives 10x reward points on online spends with partner brands (apollo 24x7, bookmyshow, cleartrip, dominos, myntra, netmeds, swiggy, yatra, etc.), capped at 10,000 rp per month.
IndusInd Bank Platinum Aura Edge Credit Card is lifetime-free (no fee, ever), while SBI SimplyCLICK Credit Card charges ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) (waivable on spend).
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.