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IDFC FIRST Select Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of IDFC FIRST Select 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.

IDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature
IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹30,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹911/yr
Online shopping—₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Top reward rate3X reward points10X points
Primary reward capNo monthly cap published₹10,000 eligible spend/mo
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)None
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsEMI · RentEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹500

Stack mode (hold both)

Cap-aware split: ~₹1,822/yr combined NAV (₹441 vs best solo). Both annual fees apply.

IDFC FIRST Select Credit Card details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IDFC FIRST Select Credit Card leads SBI SimplyCLICK by about ₹470/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

IDFC FIRST Select Credit Card vs SBI SimplyCLICK comparison table
FeatureIDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹30,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹911/yr
Online shopping—₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Top reward rate3X reward points10X points
Primary reward capNo monthly cap published₹10,000 eligible spend/mo
Perks & restrictions
Lounge access2 domestic visits/quarter + railway lounges · ₹20,000 spend in previous calendar month per visit block (issuer T&Cs)None
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsEMI · RentEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹500

Frequently asked questions

Which card has the lower annual fee?
IDFC FIRST Select Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
IDFC FIRST Select Credit Card leads with an estimated ₹1,381/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.

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