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CardMath.in2026 MITCSmart Reward Math
Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01

SBI SimplyCLICK Credit Card Blinkit, Zepto, Instamart & Supermarkets Rewards Calculator

Calculate SBI SimplyCLICK Credit Card cashback on Blinkit, Zepto, Instamart & Supermarkets. At 1.25% reward rate, earn up to ₹7,500 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.

Interactive Category Calculator

Estimate Blinkit, Zepto, Instamart & Supermarkets Rewards

Simulate monthly spends to check cashback caps, 0% exclusion traps, and competitor switches.

₹30,000
₹1,000/mo₹50,000/mo₹1,00,000/mo
Monthly Cashback₹3751.25% effective rate
Annual Projected Cashback₹4,500on ₹3,60,000/yr spend
Monthly Cap Saturation₹2500/mo CapMaxes out at ₹2,00,000/mo

Spend Tier Simulations for Blinkit, Zepto, Instamart & Supermarkets

Monthly SpendAnnual SpendMonthly CashbackAnnual CashbackEffective FeeNet Annual Benefit
₹15,000₹1,80,000₹188₹2,250₹0+₹2,250
₹30,000₹3,60,000₹375₹4,500₹0+₹4,500
₹50,000₹6,00,000₹625₹7,500₹0+₹7,500
₹75,000₹9,00,000₹938₹11,250₹0+₹11,250
₹1,00,000₹12,00,000₹1,250₹15,000₹0+₹15,000
₹1,50,000₹18,00,000₹1,875₹22,500₹0+₹22,500
₹2,00,000₹24,00,000₹2,500₹30,000₹0+₹30,000

Frequently Asked Questions

What reward rate does SBI SimplyCLICK Credit Card earn on Blinkit, Zepto, Instamart & Supermarkets?▼
SBI SimplyCLICK Credit Card earns an effective reward rate of 1.25% on Blinkit, Zepto, Instamart & Supermarkets.
What is the monthly cap for Blinkit, Zepto, Instamart & Supermarkets on SBI SimplyCLICK Credit Card?▼
The monthly reward is capped at ₹2,500. At a 1.25% reward rate, you reach this cap at ₹200,000 monthly category spend.
Which alternative card is best for Blinkit, Zepto, Instamart & Supermarkets?▼
The #1 recommended alternative is Swiggy HDFC Bank Credit Card, offering a 10.0% reward rate delivering ₹60,000 net annual value at ₹50,000/month spend.
How much cashback do I lose at ₹50,000 monthly spend with SBI SimplyCLICK Credit Card?▼
At ₹50,000/month, all rewards are fully credited without hitting monthly caps.
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