Side-by-side · honest numbers
SBI Card MILES vs SBI Card against Fixed Deposit vs SBI SimplyCLICK
Honest side-by-side comparison of SBI Card MILES, SBI Card against Fixed Deposit, 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 Card MILES ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹1,509/yr.
| Feature | SBI Card MILES SBI Card | SBI Card against Fixed Deposit SBI Card | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,499 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹35,000/mo | Not stated | ₹20,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,290/yr | ₹1,770/yr | ₹1,781/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Travel | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | — | — |
| Top reward rate | 6X reward points | 80% of FD value | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | 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 | Fuel · Rent · Wallet · EMI | Not stated | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹2,000 | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- SBI Card MILES leads with an estimated ₹3,290/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- SBI SimplyCLICK lists a minimum monthly income of ₹20,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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.
SBI Card MILES
SBI Card
SBI Card against Fixed Deposit
SBI Card
SBI SimplyCLICK
SBI Card
Your adjusted comparison
| Feature | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card | 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 | ₹1,499 | Lifetime free | ₹499 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Lifetime free | No waiver published |
| Min income | ₹35,000/mo | Not stated | ₹20,000/mo |
| Secured / FD-backed | Standard | FD-backed | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,290/yr | ₹1,770/yr | ₹1,781/yr |
| Online shopping | — | — | 10 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Travel | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | — | — |
| Top reward rate | 6X reward points | 80% of FD value | 10X points |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹10,000 eligible spend/mo |
| UPI rewards | Not supported (Visa/MC) | 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 | Fuel · Rent · Wallet · EMI | Not stated | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹2,000 | — | ₹500 |
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https://cardhungry.com/in/en/compare/sbi-card-miles-vs-sbi-fd-secured-vs-sbi-simplyclickMore SBI Card MILES comparisons
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