Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
SBI SimplyCLICK Credit Card vs OneCard Metal Credit Card for ₹100,000 Monthly Spend
Comparing SBI SimplyCLICK Credit Card vs OneCard Metal Credit Card at ₹100,000/month. SBI SimplyCLICK Credit Card wins, delivering ₹14,160 net annual value (1.18% ROI) vs ₹7,368 for OneCard Metal 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+ ₹6,792/yr Higher Value
SBI SimplyCLICK Credit Card
Delivers ₹14,160 net annual returns (1.18% ROI) vs ₹7,368 on OneCard Metal 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
OneCard Metal Credit Card
Federal Bank
₹7,368Net Annual Benefit
Gross Rewards:₹7,368/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:0.61%
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 | OneCard Metal Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹25,000/mo | ₹625 (2.5%) | ₹250 (1%) |
| Scan & Pay Merchant UPI | ₹15,000/mo | ₹38 (0.25%) | ₹30 (0.2%) |
| Electricity, Water, Gas & Broadband Bills | ₹12,000/mo | ₹30 (0.25%) | ₹24 (0.2%) |
| Swiggy, Zomato & Dining Out | ₹12,000/mo | ₹150 (1.25%) | ₹120 (1%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹10,000/mo | ₹125 (1.25%) | ₹100 (1%) |
| 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%) | ₹80 (1%) |
| LIC, Health & Term Insurance Premiums | ₹5,000/mo | ₹13 (0.25%) | ₹10 (0.2%) |
| 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 (1%) |
| 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 | +₹7,368 |
Frequently Asked Questions
Which card is better between SBI SimplyCLICK Credit Card and OneCard Metal Credit Card for ₹100,000/month?▼
At ₹100,000/month (₹1,200,000/year), SBI SimplyCLICK Credit Card mathematically outperforms OneCard Metal Credit Card by ₹6,792/year. SBI SimplyCLICK Credit Card delivers ₹14,160 net annual benefit (1.18% effective yield), while OneCard Metal Credit Card returns ₹7,368 (0.61% 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). OneCard Metal 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 OneCard Metal Credit Card loses ₹0/year. SBI SimplyCLICK Credit Card remains uncapped at this spend. OneCard Metal Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between SBI SimplyCLICK Credit Card and OneCard Metal Credit Card?▼
The calculated crossover breakeven spend is ₹9,000/month, where higher-fee benefits overtake the lower-fee option.