Head-to-head · 🇮🇳 India
HDFC Millennia vs SBI SimplyClick
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Millennia
Wins 1 of 10
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
Verdict
SBI SimplyClick wins 6-1. First card for online buyers, low entry fee HDFC Millennia is still the right call if online shoppers spending ₹15k–50k/month.
Side-by-side
| Criterion | HDFC Millennia | SBI SimplyClick |
|---|---|---|
| Annual fee | · ₹1,000 | ₹499 |
| Joining fee | · ₹1,000 | ₹499 |
| Top reward rate | · 5% (shopping) | 10% (shopping) |
| Base reward rate | · 1% | 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = Amazon e-gift voucher worth ₹500 |
| Fee waiver threshold | = ₹100,000 / yr | = ₹100,000 / yr |
| Min income | · ₹420,000 | ₹300,000 |
| Min credit score | · 750 | 700 |
| Editorial rating | 4.6/5 | · 4.4/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
FAQ
›HDFC Millennia vs SBI SimplyClick: which is better?
SBI SimplyClick wins on more dimensions (6 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Millennia for online shopping, SBI SimplyClick for online shopping. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. SBI SimplyClick: Amazon e-gift voucher worth ₹500.