Which card has the lower annual fee?

SBI SimplyCLICK has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

Flipkart SBI Card leads with an estimated ₹7,122/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.

Side-by-side · honest numbers

Flipkart SBI Card vs SBI SimplyCLICK

Honest side-by-side comparison of Flipkart SBI 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

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

Flipkart SBI Card

SBI Card

Card 2

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature	Flipkart SBI Card SBI Card	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹500	₹499
Fee waiver threshold	Waived at ₹3,50,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,122/yr	₹1,500/yr
Online shopping	₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333.33/mo	₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Groceries (offline)	₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo	—
Dining & delivery	₹1,050 × 4% = ₹42/mo (₹504/yr)	—
Travel	₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo	—
Top reward rate	5%	10X points
Primary reward cap	₹4,000/quarter	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	None	None
UPI rewards	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 · Insurance	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	₹250	₹500

Stack mode (hold both)

Cap-aware split: ~₹13,450/yr combined NAV (₹6,328 vs best solo). Both annual fees apply.

Flipkart SBI Card details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Flipkart SBI Card leads SBI SimplyCLICK by about ₹5,622/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

Flipkart SBI Card vs SBI SimplyCLICK comparison table
Feature	Flipkart SBI Card SBI Card	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹500	₹499
Fee waiver threshold	Waived at ₹3,50,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹7,122/yr	₹1,500/yr
Online shopping	₹2,400 × 7.5% = ₹180/mo (₹2,160/yr) · issuer max ₹1,333.33/mo	₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Groceries (offline)	₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹1,333.33/mo	—
Dining & delivery	₹1,050 × 4% = ₹42/mo (₹504/yr)	—
Travel	₹900 × 5% = ₹45/mo (₹540/yr) · issuer max ₹1,333.33/mo	—
Top reward rate	5%	10X points
Primary reward cap	₹4,000/quarter	₹10,000 eligible spend/mo
Perks & restrictions
Lounge access	None	None
UPI rewards	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 · Insurance	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	₹250	₹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?: Flipkart SBI Card leads with an estimated ₹7,122/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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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