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

SBI SimplyCLICK Credit Card Electricity, Water, Gas & Broadband Bills Rewards Calculator

Calculate SBI SimplyCLICK Credit Card cashback on Electricity, Water, Gas & Broadband Bills. At 0.25% reward rate, earn up to ₹1,500 net value at ₹50,000/mo spend. Check monthly cap saturation and fee waiver rules.

Interactive Category Calculator

Estimate Electricity, Water, Gas & Broadband Bills 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₹750.25% effective rate
Annual Projected Cashback₹900on ₹3,60,000/yr spend
Monthly Cap Saturation₹2500/mo CapMaxes out at ₹10,00,000/mo

Spend Tier Simulations for Electricity, Water, Gas & Broadband Bills

Monthly SpendAnnual SpendMonthly CashbackAnnual CashbackEffective FeeNet Annual Benefit
₹15,000₹1,80,000₹38₹450₹0+₹450
₹30,000₹3,60,000₹75₹900₹0+₹900
₹50,000₹6,00,000₹125₹1,500₹0+₹1,500
₹75,000₹9,00,000₹188₹2,250₹0+₹2,250
₹1,00,000₹12,00,000₹250₹3,000₹0+₹3,000
₹1,50,000₹18,00,000₹375₹4,500₹0+₹4,500
₹2,00,000₹24,00,000₹500₹6,000₹0+₹6,000

Frequently Asked Questions

What reward rate does SBI SimplyCLICK Credit Card earn on Electricity, Water, Gas & Broadband Bills?▼
SBI SimplyCLICK Credit Card earns an effective reward rate of 0.25% on Electricity, Water, Gas & Broadband Bills.
What is the monthly cap for Electricity, Water, Gas & Broadband Bills on SBI SimplyCLICK Credit Card?▼
The monthly reward is capped at ₹2,500. At a 0.25% reward rate, you reach this cap at ₹1,000,000 monthly category spend.
Which alternative card is best for Electricity, Water, Gas & Broadband Bills?▼
The #1 recommended alternative is Tata Neu Infinity HDFC Credit Card, offering a 5.0% reward rate delivering ₹30,000 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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