Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
SBI SimplyCLICK Credit Card vs ICICI Bank Coral RuPay Credit Card for ₹100,000 Monthly Spend
Comparing SBI SimplyCLICK Credit Card vs ICICI Bank Coral RuPay Credit Card at ₹100,000/month. SBI SimplyCLICK Credit Card wins, delivering ₹14,160 net annual value (1.18% ROI) vs ₹5,430 for ICICI Bank Coral RuPay 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+ ₹8,730/yr Higher Value
SBI SimplyCLICK Credit Card
Delivers ₹14,160 net annual returns (1.18% ROI) vs ₹5,430 on ICICI Bank Coral RuPay Credit Card.
Card A
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%
Card B
ICICI Bank Coral RuPay Credit Card
ICICI Bank
₹5,430Net Annual Benefit
Gross Rewards:₹5,430/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.45%
Fee Waiver Progress (1.5L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹12,000/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 ₹12,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹1,00,000/mo)
| Spend Category | Monthly Spend | SBI SimplyCLICK Credit Card | ICICI Bank Coral RuPay Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹625 (2.5%) | ₹125 (0.5%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹38 (0.25%) | ₹75 (0.5%) |
| Electricity, Water, Gas & Broadband Bills | ₹12,000/mo | ₹30 (0.25%) | ₹30 (0.25%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹150 (1.25%) | ₹120 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹125 (1.25%) | ₹50 (0.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹500-₹3,000 transactions, max ₹100/mo | ₹8,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹8,000/mo | ₹200 (2.5%) | ₹40 (0.5%) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | ₹13 (0.25%) | ₹13 (0.25%) |
| House Rent & School/College Fees₹199 + GST processing fee on rental spends | ₹5,000/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (0.25%) | ₹0 (0.5%) |
| 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 | +₹14,160 | +₹5,430 |
Frequently Asked Questions
Which card is better between SBI SimplyCLICK Credit Card and ICICI Bank Coral RuPay Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), SBI SimplyCLICK Credit Card mathematically outperforms ICICI Bank Coral RuPay Credit Card by ₹8,730/year. SBI SimplyCLICK Credit Card delivers ₹14,160 net annual benefit (1.18% effective yield), while ICICI Bank Coral RuPay Credit Card returns ₹5,430 (0.45% effective yield).
Will the annual fee be waived at ₹100,000 monthly spend?▼
On an annual spend of ₹1,200,000: SBI SimplyCLICK Credit Card annual fee is waived (₹0). ICICI Bank Coral RuPay Credit Card annual fee is waived (₹0).
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 ICICI Bank Coral RuPay Credit Card loses ₹0/year. SBI SimplyCLICK Credit Card remains uncapped at this spend. ICICI Bank Coral RuPay Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between SBI SimplyCLICK Credit Card and ICICI Bank Coral RuPay Credit Card?▼
SBI SimplyCLICK Credit Card maintains superior net value across all standard monthly spend brackets between ₹15,000 and ₹2,00,000.