Head-to-head · 🇮🇳 India
SBI SimplyClick vs HDFC Diners Club Black
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
Premium
HDFC Bank
HDFC Diners Club Black
DINERS CLUB
Wins 4 of 10
Verdict
SBI SimplyClick wins 5-4. First card for online buyers, low entry fee HDFC Diners Club Black is still the right call if frequent travelers spending ₹2l+/month.
Side-by-side
| Criterion | SBI SimplyClick | HDFC Diners Club Black |
|---|---|---|
| Annual fee | ₹499 | · ₹10,000 |
| Joining fee | ₹499 | · ₹10,000 |
| Top reward rate | · 10% (shopping) | 33% (travel) |
| Base reward rate | · 1.25% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = Annual fee waiver + 10,000 reward points |
| Fee waiver threshold | ₹100,000 / yr | · ₹500,000 / yr |
| Min income | ₹300,000 | · ₹1,750,000 |
| Min credit score | 700 | · 800 |
| Editorial rating | · 4.4/5 | 4.8/5 |
Benefits compared
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
HDFC Diners Club Black
- 10x reward points on SmartBuy partners (flights, hotels)
- 6 complimentary international lounge visits per quarter (Priority Pass)
- Unlimited domestic lounge access
- 2 complimentary golf rounds per month at 280+ courses
- Annual memberships: Amazon Prime, Swiggy One, Disney+ Hotstar, Times Prime
- Low forex markup: 2%
FAQ
›SBI SimplyClick vs HDFC Diners Club Black: which is better?
SBI SimplyClick wins on more dimensions (5 vs 4). 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 SBI SimplyClick for online shopping, HDFC Diners Club Black for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. HDFC Diners Club Black: Annual fee waiver + 10,000 reward points.