Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
SBI SimplyCLICK Credit Card vs HDFC Diners Club Black Metal Edition for ₹15,000 Monthly Spend
Comparing SBI SimplyCLICK Credit Card vs HDFC Diners Club Black Metal Edition at ₹15,000/month. SBI SimplyCLICK Credit Card wins, delivering ₹2,124 net annual value (1.18% ROI) vs ₹-972 for HDFC Diners Club Black Metal Edition.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹3,096/yr Higher Value
SBI SimplyCLICK Credit Card
Delivers ₹2,124 net annual returns (1.18% ROI) vs -₹972 on HDFC Diners Club Black Metal Edition.
Card A
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%
Card B
HDFC Diners Club Black Metal Edition
HDFC Bank
-₹972Net Annual Benefit
Gross Rewards:₹10,828/yr
Effective Fee (incl. GST):₹11,800
Net ROI on Spend:-0.54%
Fee Waiver Progress (8L target):23%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹1,800/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 ₹1,800/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | SBI SimplyCLICK Credit Card | HDFC Diners Club Black Metal Edition |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹94 (2.5%) | ₹375 (9.99%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹6 (0.25%) | ₹75 (3.33%) |
| Electricity, Water, Gas & Broadband Bills | ₹1,800/mo | ₹5 (0.25%) | ₹60 (3.33%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹23 (1.25%) | ₹120 (6.66%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹19 (1.25%) | ₹50 (3.33%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹500-₹3,000 transactions, max ₹100/mo | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹30 (2.5%) | ₹198 (16.5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | ₹2 (0.25%) | ₹25 (3.33%) |
| House Rent & School/College Fees₹199 + GST processing fee on rental spends | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (0.25%) | ₹0 (3.33%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹1,80,000/yr | +₹2,124 | +-₹972 |
Frequently Asked Questions
Which card is better between SBI SimplyCLICK Credit Card and HDFC Diners Club Black Metal Edition for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), SBI SimplyCLICK Credit Card mathematically outperforms HDFC Diners Club Black Metal Edition by ₹3,096/year. SBI SimplyCLICK Credit Card delivers ₹2,124 net annual benefit (1.18% effective yield), while HDFC Diners Club Black Metal Edition returns ₹-972 (-0.54% effective yield).
Will the annual fee be waived at ₹15,000 monthly spend?▼
On an annual spend of ₹180,000: SBI SimplyCLICK Credit Card annual fee is waived (₹0). HDFC Diners Club Black Metal Edition annual fee is payable at ₹11,800 (incl. 18% GST).
How do reward caps impact the earnings on both cards?▼
At this spend tier, SBI SimplyCLICK Credit Card loses ₹0/year to monthly cashback caps, while HDFC Diners Club Black Metal Edition loses ₹0/year. SBI SimplyCLICK Credit Card remains uncapped at this spend. HDFC Diners Club Black Metal Edition remains uncapped at this spend.
What is the breakeven monthly spend between SBI SimplyCLICK Credit Card and HDFC Diners Club Black Metal Edition?▼
The calculated crossover breakeven spend is ₹21,000/month, where higher-fee benefits overtake the lower-fee option.