Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
SBI SimplyCLICK Credit Card vs IndusInd Bank Legend Credit Card for ₹75,000 Monthly Spend
Comparing SBI SimplyCLICK Credit Card vs IndusInd Bank Legend Credit Card at ₹75,000/month. SBI SimplyCLICK Credit Card wins, delivering ₹10,620 net annual value (1.18% ROI) vs ₹6,502 for IndusInd Bank Legend Credit Card.
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.
₹75,000(₹9,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹75,000/mo+ ₹4,117/yr Higher Value
SBI SimplyCLICK Credit Card
Delivers ₹10,620 net annual returns (1.18% ROI) vs ₹6,503 on IndusInd Bank Legend Credit Card.
Card A
SBI SimplyCLICK Credit Card
SBI Card
₹10,620Net Annual Benefit
Gross Rewards:₹10,620/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.18%
Fee Waiver Progress (1L target):100%
Card B
IndusInd Bank Legend Credit Card
IndusInd Bank
₹6,503Net Annual Benefit
Gross Rewards:₹6,503/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.72%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹9,000/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 ₹9,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹75,000/mo)
| Spend Category | Monthly Spend | SBI SimplyCLICK Credit Card | IndusInd Bank Legend Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹18,750/mo | ₹469 (2.5%) | ₹188 (1%) |
| Scan & Pay Merchant UPI | ₹11,250/mo | ₹28 (0.25%) | ₹84 (0.75%) |
| Electricity, Water, Gas & Broadband Bills | ₹9,000/mo | ₹23 (0.25%) | ₹45 (0.5%) |
| Swiggy, Zomato & Dining Out | ₹9,000/mo | ₹113 (1.25%) | ₹90 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹7,500/mo | ₹94 (1.25%) | ₹56 (0.75%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹500-₹3,000 transactions, max ₹100/mo | ₹6,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹6,000/mo | ₹150 (2.5%) | ₹60 (1%) |
| LIC, Health & Term Insurance Premiums | ₹3,750/mo | ₹9 (0.25%) | ₹19 (0.5%) |
| House Rent & School/College Fees₹199 + GST processing fee on rental spends | ₹3,750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (0.25%) | ₹0 (0.75%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹9,00,000/yr | +₹10,620 | +₹6,502 |
Frequently Asked Questions
Which card is better between SBI SimplyCLICK Credit Card and IndusInd Bank Legend Credit Card for ₹75,000/month?▼
At ₹75,000/month (₹900,000/year), SBI SimplyCLICK Credit Card mathematically outperforms IndusInd Bank Legend Credit Card by ₹4,118/year. SBI SimplyCLICK Credit Card delivers ₹10,620 net annual benefit (1.18% effective yield), while IndusInd Bank Legend Credit Card returns ₹6,502 (0.72% effective yield).
Will the annual fee be waived at ₹75,000 monthly spend?▼
On an annual spend of ₹900,000: SBI SimplyCLICK Credit Card annual fee is waived (₹0). IndusInd Bank Legend 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 IndusInd Bank Legend Credit Card loses ₹0/year. SBI SimplyCLICK Credit Card remains uncapped at this spend. IndusInd Bank Legend Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between SBI SimplyCLICK Credit Card and IndusInd Bank Legend Credit Card?▼
The calculated crossover breakeven spend is ₹9,000/month, where higher-fee benefits overtake the lower-fee option.