Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
IDFC FIRST Select Credit Card vs SBI SimplyCLICK Credit Card for ₹50,000 Monthly Spend
Comparing IDFC FIRST Select Credit Card vs SBI SimplyCLICK Credit Card at ₹50,000/month. SBI SimplyCLICK Credit Card wins, delivering ₹7,080 net annual value (1.18% ROI) vs ₹3,960 for IDFC FIRST Select Credit Card.
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₹50,000(₹6,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹50,000/mo+ ₹3,120/yr Higher Value
SBI SimplyCLICK Credit Card
Delivers ₹7,080 net annual returns (1.18% ROI) vs ₹3,960 on IDFC FIRST Select Credit Card.
Card A
IDFC FIRST Select Credit Card
IDFC FIRST Bank
₹3,960Net Annual Benefit
Gross Rewards:₹3,960/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.66%
Card B
SBI SimplyCLICK Credit Card
SBI Card
₹7,080Net Annual Benefit
Gross Rewards:₹7,080/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
+₹6,000/year Extra YieldPair SBI SimplyCLICK Credit Card + SBI Cashback Credit Card
Pair SBI SimplyCLICK Credit Card with SBI Cashback Credit Card to capture up to ₹6,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹50,000/mo)
| Spend Category | Monthly Spend | IDFC FIRST Select Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹12,500/mo | ₹125 (1%) | ₹313 (2.5%) |
| Scan & Pay Merchant UPI | ₹7,500/mo | ₹38 (0.5%) | ₹19 (0.25%) |
| Electricity, Water, Gas & Broadband Bills | ₹6,000/mo | ₹30 (0.5%) | ₹15 (0.25%) |
| Swiggy, Zomato & Dining Out | ₹6,000/mo | ₹60 (1%) | ₹75 (1.25%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹5,000/mo | ₹25 (0.5%) | ₹63 (1.25%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver up to ₹300/month on transactions between ₹200 and ₹5,000 | ₹4,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹4,000/mo | ₹40 (1%) | ₹100 (2.5%) |
| LIC, Health & Term Insurance Premiums | ₹2,500/mo | ₹13 (0.5%) | ₹6 (0.25%) |
| House Rent & School/College Fees1% fee + 18% GST applies to rent payments; zero reward points earned | ₹2,500/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 | ₹6,00,000/yr | +₹3,960 | +₹7,080 |
Frequently Asked Questions
Which card is better between IDFC FIRST Select Credit Card and SBI SimplyCLICK Credit Card for ₹50,000/month?▼
At ₹50,000/month (₹600,000/year), SBI SimplyCLICK Credit Card mathematically outperforms IDFC FIRST Select Credit Card by ₹3,120/year. SBI SimplyCLICK Credit Card delivers ₹7,080 net annual benefit (1.18% effective yield), while IDFC FIRST Select Credit Card returns ₹3,960 (0.66% effective yield).
Will the annual fee be waived at ₹50,000 monthly spend?▼
On an annual spend of ₹600,000: IDFC FIRST Select 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, IDFC FIRST Select Credit Card loses ₹0/year to monthly cashback caps, while SBI SimplyCLICK Credit Card loses ₹0/year. IDFC FIRST Select Credit Card remains uncapped at this spend. SBI SimplyCLICK Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between IDFC FIRST Select Credit Card and SBI SimplyCLICK Credit Card?▼
The calculated crossover breakeven spend is ₹9,000/month, where higher-fee benefits overtake the lower-fee option.