Which card has the lower annual fee?

Kotak League Platinum has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

All cards show a similar estimated net annual value of about ₹911/yr on this profile.

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

Kotak League Platinum vs SBI SimplyCLICK

Honest side-by-side comparison of Kotak League Platinum, 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.

Card 1

Kotak League Platinum

Kotak Mahindra Bank

Card 2

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature	Kotak League Platinum Kotak Mahindra Bank	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹499	₹499
Fee waiver threshold	No waiver published	No waiver published
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹911/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 rate	2 RP/₹150	10X points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo
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	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹500

Stack mode (hold both)

Cap-aware split: ~₹1,282/yr combined NAV (₹371 vs best solo). Both annual fees apply.

Kotak League Platinum details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, all compared cards show a similar estimated net annual 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

Kotak League Platinum vs SBI SimplyCLICK comparison table
Feature	Kotak League Platinum Kotak Mahindra Bank	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹499	₹499
Fee waiver threshold	No waiver published	No waiver published
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹911/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 rate	2 RP/₹150	10X points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo
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	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹500

Frequently asked questions

Which card has the lower annual fee?: Kotak League Platinum has the lowest annual fee at ₹499.
Which card earns more on moderate spend?: All cards show a similar estimated net annual value of about ₹911/yr on this profile.
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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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