Side-by-side · honest numbers
American Express SmartEarn Credit Card vs Kotak Urbane Gold Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of American Express SmartEarn Credit Card, Kotak Urbane Gold Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI SimplyCLICK ranks first for estimated net annual value — ahead of American Express SmartEarn Credit Card by about ₹131/yr.
| Feature | American Express SmartEarn Credit Card American Express | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹1,999 | ₹499 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹140/yr | ₹1,781/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Top reward rate | 10X Membership Rewards | 3X reward points | 10X points |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹10,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- American Express SmartEarn Credit Card has the lowest annual fee at ₹495.
- Which card earns more on moderate spend?
- SBI SimplyCLICK leads with an estimated ₹1,781/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
American Express SmartEarn Credit Card
American Express
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | American ExpressGold American Express SmartEarn Credit Card •••• •••• •••• 4242 Quick facts American Express SmartEarn Credit Card Top reward10X Membership Rewards Annual fee₹495 Min income₹25,000/mo Tap to flip back American Express SmartEarn Credit Card American Express | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹495 | ₹1,999 | ₹499 |
| Fee waiver threshold | Waived at ₹40,000/yr spend | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,650/yr | ₹140/yr | ₹1,781/yr |
| Online shopping | 5 pts per ₹25 spend → ₹25/mo (₹300/yr) (cap hit) | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Top reward rate | 10X Membership Rewards | 3X reward points | 10X points |
| Primary reward cap | ₹500 eligible spend/mo | No monthly cap published | ₹10,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | Fuel · Insurance · Utilities · EMI · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹500 |
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