American Express Membership Rewards Credit Card vs SimplyCLICK SBI Card: Which Earns You More? (2026)
Most comparisons show a spec sheet. This one does the maths: set your monthly spend and pick how you redeem points to see the honest net annual value in ₹ for each card — caps, exclusions, fee waivers and milestones applied. Card details verified 2026-07.
Your monthly spend
₹50,000/moMost cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
SBI Card · fee waived at your spend
American Express · fee waived at your spend
Smart Verdict
Choose SimplyCLICK SBI Card to earn an extra ~₹4,457
SimplyCLICK SBI Card wins by ₹4,457/yr vs American Express Membership Rewards Credit Card, mainly from your online shopping (general) spend.Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
American Express Membership Rewards Credit Card vs SimplyCLICK SBI Card at different spend levels
- At ₹25,000/month, SimplyCLICK SBI Card nets ₹6,475/yr vs American Express Membership Rewards Credit Card at ₹2,544/yr — a ₹3,931 edge.
- At ₹50,000/month, SimplyCLICK SBI Card nets ₹8,665/yr vs American Express Membership Rewards Credit Card at ₹4,208/yr — a ₹4,457 edge.
- At ₹1,00,000/month, SimplyCLICK SBI Card nets ₹12,880/yr vs American Express Membership Rewards Credit Card at ₹7,653/yr — a ₹5,227 edge.
Worked examples use a typical category split at each spend level and cashback-mode point valuation. Your split changes the result.
Full specification comparison
| Feature | American Express Membership Rewards Credit CardAmerican Express | SimplyCLICK SBI CardSBI Card |
|---|---|---|
| Annual fee | ₹4,500/yr | ₹499/yr |
| Fee waiver | Spend ₹1,50,000/yr | Spend ₹1,00,000/yr |
| Base reward | 2 pts / ₹100 | 1 pts / ₹100 |
| Top categories | Base rate only | 10x online, 5x online |
| Redemption | Moderate | Moderate |
| Point expiry | 36 months | 24 months |
| Lounge access | None | None |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge | None | 1% waiver, up to ₹100/mo |
| Stated income | Rs.4.5L salaried / Rs.6L self-employed | Not stated |
| Recent devaluations |
| None recorded |
| Verified against |
Frequently asked questions
Which is better, American Express Membership Rewards Credit Card or SimplyCLICK SBI Card?
At a typical ₹50,000/month spend (cashback redemption), SimplyCLICK SBI Card comes out ahead by about ₹4,457 per year, driven mostly by online shopping (general) spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, American Express Membership Rewards Credit Card or SimplyCLICK SBI Card?
American Express Membership Rewards Credit Card earns 2 pts/₹100 as a base, while SimplyCLICK SBI Card earns 1 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for American Express Membership Rewards Credit Card and SimplyCLICK SBI Card?
American Express Membership Rewards Credit Card: ₹4,500 + GST per year, waived on ₹1,50,000 annual spend. SimplyCLICK SBI Card: ₹499 + GST per year, waived on ₹1,00,000 annual spend.
Do American Express Membership Rewards Credit Card and SimplyCLICK SBI Card earn rewards on rent, fuel and utilities?
Like most Indian cards, several everyday categories are excluded. American Express Membership Rewards Credit Card excludes fuel, insurance, utilities; SimplyCLICK SBI Card excludes fuel, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is American Express Membership Rewards Credit Card ever the better pick over SimplyCLICK SBI Card?
Within a normal spend range at ₹50,000/month, SimplyCLICK SBI Card stays ahead. American Express Membership Rewards Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.