On a typical ₹50,000 a month, PhonePe SBI Card SELECT BLACK returns about ₹18,360 a year after its fee and SimplyCLICK SBI Card about ₹3,510: a gap of ₹14,850. Points counted as cashback.
| Monthly card spend | PhonePe SBI Card SELECT BLACK | SimplyCLICK SBI Card |
|---|---|---|
| ₹20,000 | ₹5,749 | ₹1,380 |
| ₹50,000 | ₹18,360 | ₹3,510 |
| ₹1,20,000 | ₹33,668 | ₹8,400 |
| Spending | PhonePe SBI Card SELECT BLACK | SimplyCLICK SBI Card |
|---|---|---|
| Online shopping | ₹6,000 (5%) | ₹1,500 (1.25%) |
| Groceries | ₹960 (1%) | ₹240 (0.25%) |
| Food delivery | ₹2,400 (5%) | ₹600 (1.25%) |
| Dining out | ₹480 (1%) | ₹120 (0.25%) |
| Fuel | ₹0 (0%) | ₹0 (0%) |
| Bills & utilities | ₹4,920 (10%) | ₹150 (0.25%) |
| Travel & flights | ₹3,000 (5%) | ₹750 (1.25%) |
| UPI payments | ₹0 (0%) | ₹0 (0%) |
| Everything else | ₹600 (1%) | ₹150 (0.25%) |
| PhonePe SBI Card SELECT BLACK | SimplyCLICK SBI Card | |
|---|---|---|
| Annual fee | ₹1,499 | ₹499 |
| Fee waived at | ₹3,00,000 a year | ₹1,00,000 a year |
| Foreign markup | 1.99% | Not published |
PhonePe SBI Card SELECT BLACK · SimplyCLICK SBI Card · Compare on your own spending
On a typical ₹50,000 a month, PhonePe SBI Card SELECT BLACK returns about ₹18,360 a year after its fee and SimplyCLICK SBI Card about ₹3,510: a gap of ₹14,850. That is for a typical mix of spending with points counted as cashback. The better card for you depends on where your money goes, so compare them on your own numbers on SahiCard.
At ₹20,000 a month: PhonePe SBI Card SELECT BLACK ₹5,749, SimplyCLICK SBI Card ₹1,380. At ₹50,000 a month: PhonePe SBI Card SELECT BLACK ₹18,360, SimplyCLICK SBI Card ₹3,510. At ₹1,20,000 a month: PhonePe SBI Card SELECT BLACK ₹33,668, SimplyCLICK SBI Card ₹8,400.
Each card's rates, caps, exclusions and fees are read from the bank's own pages (last on 2026-09-30), then applied to the same spending for both cards.