Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
SBI Cashback Credit Card vs SBI SimplyCLICK Credit Card for ₹15,000 Monthly Spend
Comparing SBI Cashback Credit Card vs SBI SimplyCLICK Credit Card at ₹15,000/month. SBI Cashback Credit Card wins, delivering ₹4,041 net annual value (2.25% ROI) vs ₹2,124 for SBI SimplyCLICK Credit Card.
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₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹1,917/yr Higher Value
SBI Cashback Credit Card
Delivers ₹4,041 net annual returns (2.25% ROI) vs ₹2,124 on SBI SimplyCLICK Credit Card.
Card A
SBI Cashback Credit Card
SBI Card
₹4,041Net Annual Benefit
Gross Rewards:₹5,220/yr
Effective Fee (incl. GST):₹1,179
Net ROI on Spend:2.25%
Fee Waiver Progress (2L target):90%
Card B
SBI SimplyCLICK Credit Card
SBI Card
₹2,124Net Annual Benefit
Gross Rewards:₹2,124/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
+₹2,160/year Extra YieldPair SBI Cashback Credit Card + Airtel Axis Bank Credit Card
Pair SBI Cashback Credit Card with Airtel Axis Bank Credit Card to capture up to ₹2,160/yr extra on zero-reward categories.
Routes excluded categories:Electricity, Water, Gas & Broadband Bills
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | SBI Cashback Credit Card | SBI SimplyCLICK Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹188 (5%) | ₹94 (2.5%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹23 (1%) | ₹6 (0.25%) |
| Electricity, Water, Gas & Broadband BillsUtility bill payments completely excluded from cashback program | ₹1,800/mo | 0% Excluded | ₹5 (0.25%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹90 (5%) | ₹23 (1.25%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹75 (5%) | ₹19 (1.25%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver for transactions between ₹500 and ₹3,000, max waiver ₹100/billing cycle | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹60 (5%) | ₹30 (2.5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | 0% Excluded | ₹2 (0.25%) |
| House Rent & School/College FeesRent payments attract a processing fee of ₹199 + 18% GST; zero cashback earned | ₹750/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 PaymentsGovernment, tax, and challan payments excluded from cashback | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹1,80,000/yr | +₹4,041 | +₹2,124 |
Frequently Asked Questions
Which card is better between SBI Cashback Credit Card and SBI SimplyCLICK Credit Card for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), SBI Cashback Credit Card mathematically outperforms SBI SimplyCLICK Credit Card by ₹1,917/year. SBI Cashback Credit Card delivers ₹4,041 net annual benefit (2.25% effective yield), while SBI SimplyCLICK Credit Card returns ₹2,124 (1.18% effective yield).
Will the annual fee be waived at ₹15,000 monthly spend?▼
On an annual spend of ₹180,000: SBI Cashback Credit Card annual fee is payable at ₹1,179 (incl. 18% GST). SBI SimplyCLICK Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, SBI Cashback Credit Card loses ₹0/year to monthly cashback caps, while SBI SimplyCLICK Credit Card loses ₹0/year. SBI Cashback Credit Card remains uncapped at this spend. SBI SimplyCLICK Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between SBI Cashback 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.