Side-by-side · honest numbers
OneCard Metal Credit Card vs SBI SimplyCLICK vs SBI SimplySAVE
Honest side-by-side comparison of OneCard Metal Credit Card, SBI SimplyCLICK, 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.
OneCard Metal Credit Card
OneCard (BOB/FPL)
SBI SimplyCLICK
SBI Card
SBI SimplySAVE
SBI Card
Your adjusted comparison
| Feature | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI SimplyCLICK SBI Card | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,632/yr | ₹1,500/yr | ₹1,650/yr |
| Online shopping | ₹8,000 × 1% = ₹80/mo (₹960/yr) | ₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo | — |
| Groceries (offline) | — | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | ₹3,500 × 1% = ₹35/mo (₹420/yr) | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Top reward rate | 1% (5X) | 10X points | 10 RP/₹150 (1.7%) |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| UPI rewards | Earns: 0.2% base; 1% (5X) on top 2 categories after ₹750×3 unlock — UPI modeled at 0.2% · cap Points redeemable as statement credit per OneCard T&Cs | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Rent | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹500 |
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https://cardhungry.com/in/en/compare/onecard-vs-sbi-simplyclick-vs-sbi-simplysaveReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI SimplySAVE ranks first for estimated net annual value — ahead of OneCard Metal Credit Card by about ₹18/yr.
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
| Feature | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI SimplyCLICK SBI Card | SBI SimplySAVE SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹18,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,632/yr | ₹1,500/yr | ₹1,650/yr |
| Online shopping | ₹8,000 × 1% = ₹80/mo (₹960/yr) | ₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo | — |
| Groceries (offline) | — | — | ₹5,000 → 333 pts/mo × ₹0.25/pt = ₹83.33/mo (₹1,000/yr) |
| Dining & delivery | ₹3,500 × 1% = ₹35/mo (₹420/yr) | — | ₹3,500 → 233 pts/mo × ₹0.25/pt = ₹58.33/mo (₹700/yr) |
| Top reward rate | 1% (5X) | 10X points | 10 RP/₹150 (1.7%) |
| Primary reward cap | No monthly cap published | ₹10,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| UPI rewards | Earns: 0.2% base; 1% (5X) on top 2 categories after ₹750×3 unlock — UPI modeled at 0.2% · cap Points redeemable as statement credit per OneCard T&Cs | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs | Earns: 1 Reward Point per ₹100 on eligible spends (base rate) · cap Per SBI monthly caps |
| Key exclusions | EMI · Rent | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹500 | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal 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 ₹1,650/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- 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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