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IDFC FIRST Select Credit Card vs SBI SimplySAVE

Honest side-by-side comparison of IDFC FIRST Select Credit Card, SBI SimplySAVE — 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

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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 SimplySAVE

SBI Card

Your adjusted comparison

Feature
IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI SimplySAVE credit card

SBI SimplySAVE

SBI Card

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹30,000/mo₹18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹2,751/yr
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery—₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel—₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate3X reward points10 RP/₹100
Primary reward capNo monthly cap publishedNo monthly cap published
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: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusionsEMI · RentEMI · Rent · Wallet
Bonuses
Signup bonus—₹2,000

Stack mode (hold both)

Cap-aware split: ~₹3,462/yr combined NAV (₹711 vs best solo). Both annual fees apply.

IDFC FIRST Select Credit Card details →SBI SimplySAVE details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplySAVE leads IDFC FIRST Select Credit Card by about ₹1,370/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 SimplySAVE comparison table
FeatureIDFC FIRST Select Credit Card

IDFC FIRST Bank

SBI SimplySAVE

SBI Card

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹30,000/mo₹18,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,381/yr₹2,751/yr
Groceries (offline)—₹5,000 → 500 pts/mo × ₹0.25/pt = ₹125.00/mo (₹1,500/yr)
Dining & delivery—₹3,500 → 350 pts/mo × ₹0.25/pt = ₹87.50/mo (₹1,050/yr)
Fuel—₹3,000 → 300 pts/mo × ₹0.25/pt = ₹75/mo (₹900/yr)
Top reward rate3X reward points10 RP/₹100
Primary reward capNo monthly cap publishedNo monthly cap published
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: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps
Key exclusionsEMI · RentEMI · Rent · Wallet
Bonuses
Signup bonus—₹2,000

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?
SBI SimplySAVE leads with an estimated ₹2,751/yr net annual value on moderate spend.
Which card has the lower income requirement?
SBI SimplySAVE lists a minimum monthly income of ₹18,000.
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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