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Side-by-side · honest numbers

SBI SimplyCLICK vs Standard Chartered Smart Card

Honest side-by-side comparison of SBI SimplyCLICK, Standard Chartered Smart Card — 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.

SBI SimplyCLICK

SBI Card

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature
SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

Standard Chartered Smart Card credit card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹20,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹911/yr₹2,831/yr
Online shopping₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate10X points2% cashback
Primary reward cap₹10,000 eligible spend/moNo monthly cap published
UPI rewardsEarns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&CsNot supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
Bonuses
Signup bonus₹500—

Stack mode (hold both)

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

SBI SimplyCLICK details →Standard Chartered Smart Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Standard Chartered Smart Card leads SBI SimplyCLICK by about ₹1,920/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 SimplyCLICK vs Standard Chartered Smart Card comparison table
FeatureSBI SimplyCLICK

SBI Card

Standard Chartered Smart Card

Standard Chartered

Fees & eligibility
Annual fee₹499₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹20,000/mo₹30,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹911/yr₹2,831/yr
Online shopping₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo₹8,000 × 2% = ₹160/mo (₹1,920/yr)
Top reward rate10X points2% cashback
Primary reward cap₹10,000 eligible spend/moNo monthly cap published
UPI rewardsEarns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&CsNot supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · WalletEMI · Fuel · Rent
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?
Standard Chartered Smart Card leads with an estimated ₹2,831/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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