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IndusInd Legend Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of IndusInd Legend 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.

IndusInd Legend Credit Card

IndusInd Bank

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature
IndusInd Legend Credit Card

IndusInd Legend Credit Card

IndusInd Bank

SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹20,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹936/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 rate1 reward point/₹10010X points
Primary reward capNo monthly cap published₹10,000 eligible spend/mo
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 · Fuel · RentEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹500

Stack mode (hold both)

Cap-aware split: ~₹1,461/yr combined NAV (₹525 vs best solo). Both annual fees apply.

IndusInd Legend Credit Card details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IndusInd Legend Credit Card leads SBI SimplyCLICK by about ₹25/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

IndusInd Legend Credit Card vs SBI SimplyCLICK comparison table
FeatureIndusInd Legend Credit Card

IndusInd Bank

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual feeLifetime free₹499
Fee waiver thresholdLifetime freeNo waiver published
Min income₹20,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹936/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 rate1 reward point/₹10010X points
Primary reward capNo monthly cap published₹10,000 eligible spend/mo
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 · Fuel · RentEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹500

Frequently asked questions

Which card has the lower annual fee?
IndusInd Legend Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
IndusInd Legend Credit Card leads with an estimated ₹936/yr net annual value on moderate spend.
Which card has the lower income requirement?
IndusInd Legend Credit Card 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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