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SBI Cashback Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of SBI Cashback Credit Card, 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.

SBI Cashback Credit Card

SBI Card

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature
SBI Cashback Credit Card

SBI Cashback Credit Card

SBI Card

SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹999₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹25,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,520/yr₹911/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Top reward rate5%10X points
Primary reward cap₹2,000 rewards/mo cap₹10,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsFuel · Utilities · Insurance · Rent · Wallet loadsEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus—₹500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

SBI Cashback Credit Card details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Cashback Credit Card leads SBI SimplyCLICK by about ₹4,609/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

SBI Cashback Credit Card vs SBI SimplyCLICK comparison table
FeatureSBI Cashback Credit Card

SBI Card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹999₹499
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹25,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,520/yr₹911/yr
Online shopping₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹2,000/mo₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Top reward rate5%10X points
Primary reward cap₹2,000 rewards/mo cap₹10,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsFuel · Utilities · Insurance · Rent · Wallet loadsEMI · 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 Cashback Credit Card leads with an estimated ₹5,520/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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