Equitas Tiga Credit Card vs SBI SimplyCLICK Credit Card
How Equitas Tiga 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
Neither is lifetime-free: Equitas Tiga Credit Card costs ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) and SBI SimplyCLICK Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) — both waivable on spend, so the rewards decide it.
Equitas Tiga Credit Card — better for upi-heavy spenders who want 3x reward points on upi and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver.
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
| Equitas Tiga Credit CardEquitas Small Finance Bank | SBI SimplyCLICK Credit CardSBI Card | |
|---|---|---|
| Annual fee | ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) | ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) |
| Reward rate | 3 RP/₹100 on UPI, contactless and Pay-by-3 spends; 1 RP/₹100 on other spends; 1 RP = ₹0.15 (vouchers/products/travel) or ₹0.10 (cashback/Insta Redemption). | 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 | No | No |
| Network | RuPay / Visa | Visa / Mastercard |
| Eligibility | Approx age 22+, salaried with minimum income about ₹35,000/month (approx ₹5L annual); aggregator-sourced. | Age approx 18-65 (some aggregators say 21-70); salaried or self-employed with regular income, approx ₹20,000/month minimum |
| Best for | UPI-heavy spenders who want 3X reward points on UPI and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver. | Online shoppers who spend heavily on partner brands like Amazon, Myntra, Swiggy, BookMyShow and Cleartrip and want a low-fee rewards card. |
Equitas Tiga Credit Card
- 3 RP/₹100 on UPI, contactless and Pay-by-3 EMI merchant spends; 1 RP/₹100 on other eligible spends (no rewards on rent, wallet loads, fuel or government spends)
- ₹500 + GST joining/annual fee, waivable on ≈₹1.2 lakh annual spend (issuer figure); often issued with the first-year fee waived
- 1% fuel surcharge waiver on fuel transactions of ₹500 to ₹3,000, capped at ₹100 per statement cycle; Pay-by-3 lets you split select-merchant purchases into 3-month low-cost EMIs
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)
Equitas Tiga Credit Card vs SBI SimplyCLICK Credit Card — FAQs
Neither is universally better. Equitas Tiga Credit Card suits upi-heavy spenders who want 3x reward points on upi and contactless payments on a low-fee card they can keep effectively free by clearing the annual-spend waiver. 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.
Neither is lifetime-free: Equitas Tiga Credit Card costs ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer) and SBI SimplyCLICK Credit Card costs ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend) — both waivable on spend, so the rewards decide it. On rewards, Equitas Tiga Credit Card gives 3 reward points per ₹100 (3x base) on upi, contactless and pay-by-3 merchant spends; 1 rp per ₹100 on other spends. 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.
Equitas Tiga Credit Card: ₹500 + GST joining/annual fee (waived on ≈₹1.2 lakh annual spend; first-year fee often waived as a limited-period offer). SBI SimplyCLICK Credit Card: ₹499 + GST joining and ₹499 + GST annual renewal (renewal waived on ₹1 lakh annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
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.