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PhonePe SBI Card PURPLE vs SBI SimplyCLICK

Honest side-by-side comparison of PhonePe SBI Card PURPLE, 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

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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.

PhonePe SBI Card PURPLE

SBI Card

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature
PhonePe SBI Card PURPLE credit card

PhonePe SBI Card PURPLE

SBI Card

SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdWaived at ₹1,00,000/yr spendNo waiver published
Min income₹25,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,441/yr₹911/yr
Online shopping₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Utilities & bills₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo—
Top reward rate3%10X points
Primary reward cap₹750 rewards/mo cap₹10,000 eligible spend/mo
UPI rewardsEarns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spendsEarns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsFuel · Wallet top-ups · Rent · EMI · Cash advanceEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus₹500₹500

Stack mode (hold both)

Cap-aware split: ~₹3,671/yr combined NAV (₹230 vs best solo). Both annual fees apply.

PhonePe SBI Card PURPLE details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card PURPLE leads SBI SimplyCLICK by about ₹2,530/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

PhonePe SBI Card PURPLE vs SBI SimplyCLICK comparison table
FeaturePhonePe SBI Card PURPLE

SBI Card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdWaived at ₹1,00,000/yr spendNo waiver published
Min income₹25,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹3,441/yr₹911/yr
Online shopping₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Utilities & bills₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo—
Top reward rate3%10X points
Primary reward cap₹750 rewards/mo cap₹10,000 eligible spend/mo
UPI rewardsEarns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spendsEarns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsFuel · Wallet top-ups · Rent · EMI · Cash advanceEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus₹500₹500

Frequently asked questions

Which card has the lower annual fee?
PhonePe SBI Card PURPLE has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
PhonePe SBI Card PURPLE leads with an estimated ₹3,441/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.

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