Side-by-side · honest numbers
HSBC Cashback Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of HSBC Cashback Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HSBC Cashback Credit Card
HSBC
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | HSBC Cashback Credit Card HSBC | SBI SimplyCLICK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹40,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,291/yr | ₹911/yr |
| Online shopping | — | ₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo |
| Dining & delivery | ₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo | — |
| Top reward rate | 10% | 10X points |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹10,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access | None |
| UPI rewards | 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 · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹500 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hsbc-cashback-vs-sbi-simplyclickReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HSBC Cashback Credit Card leads SBI SimplyCLICK by about ₹5,380/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HSBC Cashback Credit Card HSBC | SBI SimplyCLICK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹999 | ₹499 |
| Fee waiver threshold | No waiver published | No waiver published |
| Min income | ₹40,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹6,291/yr | ₹911/yr |
| Online shopping | — | ₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo |
| Dining & delivery | ₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,000/mo | — |
| Top reward rate | 10% | 10X points |
| Primary reward cap | ₹1,000 eligible spend/mo | ₹10,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access | None |
| UPI rewards | 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 · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹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?
- HSBC Cashback Credit Card leads with an estimated ₹6,291/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.
More HSBC Cashback Credit Card comparisons
- HSBC Cashback Credit Card vs 811 Dream Different Credit Card
- HSBC Cashback Credit Card vs AU Altura Credit Card
- HSBC Cashback Credit Card vs AU Altura+ Credit Card
- HSBC Cashback Credit Card vs AU LIT Credit Card
- HSBC Cashback Credit Card vs AU Zenith Credit Card
- HSBC Cashback Credit Card vs American Express Gold Card
- HSBC Cashback Credit Card vs American Express Platinum Travel Card
- HSBC Cashback Credit Card vs American Express SmartEarn Credit Card
- HSBC Cashback Credit Card vs Amex Membership Rewards CC
- HSBC Cashback Credit Card vs Axis Bank ACE Credit Card
- HSBC Cashback Credit Card vs Axis Bank Airtel Credit Card
- HSBC Cashback Credit Card vs Axis Bank Atlas Credit Card