Side-by-side · honest numbers
PhonePe SBI Card SELECT BLACK vs SBI SimplyCLICK
Honest side-by-side comparison of PhonePe SBI Card SELECT BLACK, 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 SELECT BLACK
SBI Card
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | PhonePe SBI Card SELECT BLACK SBI Card | SBI SimplyCLICK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | ₹499 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹7,350/yr | ₹911/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | ₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo |
| Utilities & bills | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 10% | 10X points |
| Primary reward cap | ₹1,500 rewards/mo cap | ₹10,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | Fuel · Wallet top-ups · Rent · EMI · Cash advance | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹1,500 | ₹500 |
Stack mode (hold both)
Cap-aware split: ~₹9,491/yr combined NAV (₹2,141 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/phonepe-sbi-select-black-vs-sbi-simplyclickReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads SBI SimplyCLICK by about ₹6,439/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
| Feature | PhonePe SBI Card SELECT BLACK SBI Card | SBI SimplyCLICK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,499 | ₹499 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹7,350/yr | ₹911/yr |
| Online shopping | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | ₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo |
| Utilities & bills | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 10% | 10X points |
| Primary reward cap | ₹1,500 rewards/mo cap | ₹10,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends | Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs |
| Key exclusions | Fuel · Wallet top-ups · Rent · EMI · Cash advance | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹1,500 | ₹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?
- PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/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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