Edge+ CSB Bank RuPay Credit Card vs SimplyCLICK SBI Card
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
Edge+ CSB Bank RuPay Credit Card and SimplyCLICK SBI Card differ first on recurring cost: Edge+ CSB Bank RuPay Credit Card has an annual fee of ₹0 against ₹499 + GST for SimplyCLICK SBI Card, so Edge+ CSB Bank RuPay Credit Card is cheaper to hold. On rewards, Edge+ CSB Bank RuPay Credit Card earns 5 Jewels per ₹100 on UPI and all other spend (100 Jewels = ₹20 on standard redemption, so about 1% back) while SimplyCLICK SBI Card earns 1 Reward Point per ₹100 on eligible spends. Both publish the same 3.5% forex markup. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-04. Confirm final terms with the issuer.
| Feature | Edge+ CSB Bank RuPay Credit Card | SimplyCLICK SBI Card |
|---|---|---|
| Issuer | CSB Bank (via Jupiter) | SBI Card |
| Joining fee | ₹999 + GST | ₹499 + GST |
| Annual fee | ₹0 | ₹499 + GST |
| Fee waiver | No waiver recorded | ₹1,00,000 annual eligible spend |
| Base rewards | 5 Jewels per ₹100 on UPI and all other spend (100 Jewels = ₹20 on standard redemption, so about 1% back) | 1 Reward Point per ₹100 on eligible spends |
| Accelerated routes | 50 Jewels per ₹100 on the selected shopping category, capped at 10,000 Jewels per billing cycle · 25 Jewels per ₹100 on Jupiter Flights, capped at 5,000 Jewels per billing cycle | 10 Reward Points per ₹100 at currently listed exclusive online partners · 5 Reward Points per ₹100 on eligible other online spend |
| Reward exclusions | fuel, rent, gift cards, grocery, utility, subscriptions | fuel, rent, wallet load, government, digital gaming, cash advance |
| Forex markup | 3.5% | 3.5% |
| Domestic lounge | none | none |
| International lounge | none | none |
| Card networks | RuPay | Visa, Mastercard, RuPay |
| Best suited to | upi credit, online shopping, lifetime free | online shopping, first card, low fee |
| Issuer evidence | Checked 2026-08-04 | Checked 2026-07-28 |
Frequently asked questions
Is the Edge+ CSB Bank RuPay Credit Card better than the SimplyCLICK SBI Card?
Neither is universally better. Edge+ CSB Bank RuPay Credit Card charges ₹0 a year and earns 5 Jewels per ₹100 on UPI and all other spend (100 Jewels = ₹20 on standard redemption, so about 1% back); SimplyCLICK SBI Card charges ₹499 + GST and earns 1 Reward Point per ₹100 on eligible spends. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, Edge+ CSB Bank RuPay Credit Card or SimplyCLICK SBI Card?
Edge+ CSB Bank RuPay Credit Card has the lower recorded annual fee at ₹0. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, Edge+ CSB Bank RuPay Credit Card or SimplyCLICK SBI Card?
Both publish a 3.5% forex markup, so compare international reward eligibility and lounge access instead.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.