Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
SBI SimplyCLICK Credit Card Flights, Hotels & IRCTC Trains Rewards Calculator
Calculate SBI SimplyCLICK Credit Card cashback on Flights, Hotels & IRCTC Trains. At 2.5% reward rate, earn up to ₹15,000 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.
Interactive Category Calculator
Estimate Flights, Hotels & IRCTC Trains 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₹7502.5% effective rate
Annual Projected Cashback₹9,000on ₹3,60,000/yr spend
Monthly Cap Saturation₹2500/mo CapMaxes out at ₹1,00,000/mo
Spend Tier Simulations for Flights, Hotels & IRCTC Trains
| Monthly Spend | Annual Spend | Monthly Cashback | Annual Cashback | Effective Fee | Net Annual Benefit |
|---|---|---|---|---|---|
| ₹15,000 | ₹1,80,000 | ₹375 | ₹4,500 | ₹0 | +₹4,500 |
| ₹30,000 | ₹3,60,000 | ₹750 | ₹9,000 | ₹0 | +₹9,000 |
| ₹50,000 | ₹6,00,000 | ₹1,250 | ₹15,000 | ₹0 | +₹15,000 |
| ₹75,000 | ₹9,00,000 | ₹1,875 | ₹22,500 | ₹0 | +₹22,500 |
| ₹1,00,000 | ₹12,00,000 | ₹2,500 | ₹30,000 | ₹0 | +₹30,000 |
| ₹1,50,000 | ₹18,00,000 | ₹2,500 | ₹30,000 | ₹0 | +₹30,000 |
| ₹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 Flights, Hotels & IRCTC Trains?▼
SBI SimplyCLICK Credit Card earns an effective reward rate of 2.5% on Flights, Hotels & IRCTC Trains.
What is the monthly cap for Flights, Hotels & IRCTC Trains on SBI SimplyCLICK Credit Card?▼
The monthly reward is capped at ₹2,500. At a 2.5% reward rate, you reach this cap at ₹100,000 monthly category spend.
Which alternative card is best for Flights, Hotels & IRCTC Trains?▼
The #1 recommended alternative is HDFC Diners Club Black Metal Edition, offering a 16.5% reward rate delivering ₹87,200 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.