Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
SBI SimplyCLICK Credit Card vs HDFC Diners Club Black Metal Edition for ₹30,000 Monthly Spend
Comparing SBI SimplyCLICK Credit Card vs HDFC Diners Club Black Metal Edition at ₹30,000/month. HDFC Diners Club Black Metal Edition wins, delivering ₹9,855 net annual value (2.74% ROI) vs ₹4,248 for SBI SimplyCLICK Credit Card.
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₹30,000(₹3,60,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹30,000/mo+ ₹5,607/yr Higher Value
HDFC Diners Club Black Metal Edition
Delivers ₹9,855 net annual returns (2.74% ROI) vs ₹4,248 on SBI SimplyCLICK Credit Card.
Card A
SBI SimplyCLICK Credit Card
SBI Card
₹4,248Net Annual Benefit
Gross Rewards:₹4,248/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
₹9,855Net Annual Benefit
Gross Rewards:₹21,655/yr
Effective Fee (incl. GST):₹11,800
Net ROI on Spend:2.74%
Fee Waiver Progress (8L target):45%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,600/year Extra YieldPair HDFC Diners Club Black Metal Edition + Airtel Axis Bank Credit Card
Pair HDFC Diners Club Black Metal Edition with Airtel Axis Bank Credit Card to capture up to ₹3,600/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹30,000/mo)
| Spend Category | Monthly Spend | SBI SimplyCLICK Credit Card | HDFC Diners Club Black Metal Edition |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹7,500/mo | ₹188 (2.5%) | ₹749 (9.99%) |
| Scan & Pay Merchant UPI | ₹4,500/mo | ₹11 (0.25%) | ₹150 (3.33%) |
| Electricity, Water, Gas & Broadband Bills | ₹3,600/mo | ₹9 (0.25%) | ₹120 (3.33%) |
| Swiggy, Zomato & Dining Out | ₹3,600/mo | ₹45 (1.25%) | ₹240 (6.66%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹3,000/mo | ₹38 (1.25%) | ₹100 (3.33%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹500-₹3,000 transactions, max ₹100/mo | ₹2,400/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹2,400/mo | ₹60 (2.5%) | ₹396 (16.5%) |
| LIC, Health & Term Insurance Premiums | ₹1,500/mo | ₹4 (0.25%) | ₹50 (3.33%) |
| House Rent & School/College Fees₹199 + GST processing fee on rental spends | ₹1,500/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 | ₹3,60,000/yr | +₹4,248 | +₹9,855 |
Frequently Asked Questions
Which card is better between SBI SimplyCLICK Credit Card and HDFC Diners Club Black Metal Edition for ₹30,000/month?▼
At ₹30,000/month (₹360,000/year), HDFC Diners Club Black Metal Edition mathematically outperforms SBI SimplyCLICK Credit Card by ₹5,607/year. HDFC Diners Club Black Metal Edition delivers ₹9,855 net annual benefit (2.74% effective yield), while SBI SimplyCLICK Credit Card returns ₹4,248 (1.18% effective yield).
Will the annual fee be waived at ₹30,000 monthly spend?▼
On an annual spend of ₹360,000: 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.