Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Swiggy HDFC Bank Credit Card vs SBI SimplyCLICK Credit Card for ₹100,000 Monthly Spend
Comparing Swiggy HDFC Bank Credit Card vs SBI SimplyCLICK Credit Card at ₹100,000/month. Swiggy HDFC Bank Credit Card wins, delivering ₹44,160 net annual value (3.68% ROI) vs ₹14,160 for SBI SimplyCLICK Credit Card.
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₹1,00,000(₹12,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,00,000/mo+ ₹30,000/yr Higher Value
Swiggy HDFC Bank Credit Card
Delivers ₹44,160 net annual returns (3.68% ROI) vs ₹14,160 on SBI SimplyCLICK Credit Card.
Card A
Swiggy HDFC Bank Credit Card
HDFC Bank
₹44,160Net Annual Benefit
Gross Rewards:₹44,160/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:3.68%
Fee Waiver Progress (2L target):100%
Card B
SBI SimplyCLICK Credit Card
SBI Card
₹14,160Net Annual Benefit
Gross Rewards:₹14,160/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.18%
Fee Waiver Progress (1L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,000/year Extra YieldPair Swiggy HDFC Bank Credit Card + Airtel Axis Bank Credit Card
Pair Swiggy HDFC Bank Credit Card with Airtel Axis Bank Credit Card to capture up to ₹3,000/yr extra on zero-reward categories.
Routes excluded categories:Electricity, Water, Gas & Broadband Bills
Detailed 12-Category Rupee Breakdown (@ ₹1,00,000/mo)
| Spend Category | Monthly Spend | Swiggy HDFC Bank Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹1,250 (5%) | ₹625 (2.5%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹150 (1%) | ₹38 (0.25%) |
| Electricity, Water, Gas & Broadband BillsUtility bill payments excluded from earning cashback | ₹12,000/mo | 0% Excluded | ₹30 (0.25%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹1,200 (10%) | ₹150 (1.25%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹1,000 (10%) | ₹125 (1.25%) |
| Petrol & Diesel at Fuel StationsFuel spends excluded from cashback; 1% surcharge waiver up to ₹250/mo | ₹8,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹80 (1%) | ₹200 (2.5%) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | 0% Excluded | ₹13 (0.25%) |
| House Rent & School/College FeesRent and education payments excluded from earning cashback | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (1%) | ₹0 (0.25%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹12,00,000/yr | +₹44,160 | +₹14,160 |
Frequently Asked Questions
Which card is better between Swiggy HDFC Bank Credit Card and SBI SimplyCLICK Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), Swiggy HDFC Bank Credit Card mathematically outperforms SBI SimplyCLICK Credit Card by ₹30,000/year. Swiggy HDFC Bank Credit Card delivers ₹44,160 net annual benefit (3.68% effective yield), while SBI SimplyCLICK Credit Card returns ₹14,160 (1.18% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: Swiggy HDFC Bank Credit Card annual fee is waived (₹0). SBI SimplyCLICK Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Swiggy HDFC Bank Credit Card loses ₹0/year to monthly cashback caps, while SBI SimplyCLICK Credit Card loses ₹0/year. Swiggy HDFC Bank Credit Card remains uncapped at this spend. SBI SimplyCLICK Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Swiggy HDFC Bank Credit Card and SBI SimplyCLICK Credit Card?▼
The calculated crossover breakeven spend is ₹5,000/month, where higher-fee benefits overtake the lower-fee option.