SBI SimplyClick vs HDFC Marriott Bonvoy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI SimplyClick wins 6-3. First card for online buyers, low entry fee HDFC Marriott Bonvoy is still the right call if marriott loyalists — every ₹150 = 8 bonvoy points on marriott + 2 elsewhere..
Side-by-side
| Criterion | SBI SimplyClick | HDFC Marriott Bonvoy |
|---|---|---|
| Annual fee | ₹499 | · ₹3,000 |
| Joining fee | ₹499 | · ₹3,000 |
| Top reward rate | 10% (shopping) | · 8% (travel) |
| Base reward rate | · 1.25% | 2% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status |
| Fee waiver threshold | ₹100,000 / yr | · ₹800,000 / yr |
| Min income | ₹300,000 | · ₹1,500,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | · 4.4/5 | 4.5/5 |
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 Marriott Bonvoy
- 8 Bonvoy points per ₹150 on Marriott
- 4 Bonvoy points per ₹150 on travel + dining
- 2 Bonvoy points per ₹150 on everything else
- 1 free night annually at Marriott (up to 15K Bonvoy point value)
- Marriott Bonvoy Silver Elite status (15 elite night credits)
- 8 international + 8 domestic lounge visits/year
FAQ
›SBI SimplyClick vs HDFC Marriott Bonvoy: which is better?
SBI SimplyClick wins on more dimensions (6 vs 3). 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 Marriott Bonvoy 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 Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status.