Which card has the lower annual fee?

SBI SimplyCLICK has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

SBI SimplyCLICK leads with an estimated ₹1,781/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.

Side-by-side · honest numbers

Kotak White Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of Kotak White Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplyCLICK leads Kotak White Credit Card by about ₹1,701/yr in estimated net value.

Kotak White Credit Card vs SBI SimplyCLICK comparison table
Feature	Kotak White Credit Card Kotak Mahindra Bank	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹3,000	₹499
Fee waiver threshold	Waived at ₹4,00,000/yr spend	No waiver published
Min income	₹50,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹80/yr	₹1,781/yr
Online shopping	—	10 pts per ₹150 spend → ₹167/mo (₹2,000/yr)
Travel	2 pts per ₹150 spend → ₹17/mo (₹200/yr)	—
Top reward rate	2X reward points	10X points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	Domestic lounge access — verify visit count on issuer site	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	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?: SBI SimplyCLICK leads with an estimated ₹1,781/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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

Kotak White Credit Card

Kotak Mahindra Bank

Card 2

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature	Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank	SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹3,000	₹499
Fee waiver threshold	Waived at ₹4,00,000/yr spend	No waiver published
Min income	₹50,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹80/yr	₹1,781/yr
Online shopping	—	10 pts per ₹150 spend → ₹167/mo (₹2,000/yr)
Travel	2 pts per ₹150 spend → ₹17/mo (₹200/yr)	—
Top reward rate	2X reward points	10X points
Primary reward cap	No monthly cap published	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	Domestic lounge access — verify visit count on issuer site	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	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹500

Kotak White Credit Card details →SBI SimplyCLICK details →

Share this comparison

https://cardhungry.com/in/en/compare/kotak-white-vs-sbi-simplyclick

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Kotak White Credit Card comparisons