Which card has the lower annual fee?

SBI SimplyCLICK has the lowest annual fee at ₹499.

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.

Side-by-side · honest numbers

Bajaj Finserv RBL Bank SuperCard vs SBI Card PRIME vs SBI SimplyCLICK

Honest side-by-side comparison of Bajaj Finserv RBL Bank SuperCard, SBI Card PRIME, 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 SBI Card PRIME by about ₹280/yr.

Bajaj Finserv RBL Bank SuperCard vs SBI Card PRIME vs SBI SimplyCLICK comparison table
Feature	Bajaj Finserv RBL Bank SuperCard RBL Bank	SBI Card PRIME SBI Card	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹999	₹2,999	₹499
Fee waiver threshold	No waiver published	₹5,00,000/yr	No waiver published
Min income	₹25,000/mo	₹45,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹739/yr	₹1,501/yr	₹1,781/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	10 pts per ₹150 spend → ₹167/mo (₹2,000/yr)
Travel	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Top reward rate	2X points/₹150	4X reward points	10X points
Primary reward cap	No monthly cap published	No monthly cap published	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Domestic lounge visits per year — verify count	None
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	EMI interest · Cash advance	Fuel · Rent · Wallet · EMI	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹3,000	₹500

Frequently asked questions

Which card has the lower annual fee?: SBI SimplyCLICK has the lowest annual fee at ₹499.
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.

Card 1

Bajaj Finserv RBL Bank SuperCard

RBL Bank

Card 2

SBI Card PRIME

SBI Card

Card 3

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature	RBL BankGold Bajaj Finserv RBL Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv RBL Bank SuperCard Top reward2X points/₹150 Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv RBL Bank SuperCard RBL Bank	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card	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	₹999	₹2,999	₹499
Fee waiver threshold	No waiver published	₹5,00,000/yr	No waiver published
Min income	₹25,000/mo	₹45,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹739/yr	₹1,501/yr	₹1,781/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	10 pts per ₹150 spend → ₹167/mo (₹2,000/yr)
Travel	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)	—
Top reward rate	2X points/₹150	4X reward points	10X points
Primary reward cap	No monthly cap published	No monthly cap published	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	None	Domestic lounge visits per year — verify count	None
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	EMI interest · Cash advance	Fuel · Rent · Wallet · EMI	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹3,000	₹500

Bajaj Finserv RBL Bank SuperCard details →SBI Card PRIME details →SBI SimplyCLICK details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv RBL Bank SuperCard comparisons