SBI SimplyClick vs HDFC Pixel Go
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Pixel Go wins 5-4. A simple first card with flat 1% back, run from the PayZapp app. SBI SimplyClick is still the right call if first card for online buyers, low entry fee.
Side-by-side
| Criterion | SBI SimplyClick | HDFC Pixel Go |
|---|---|---|
| Annual fee | · ₹499 | ₹250 |
| Joining fee | · ₹499 | ₹250 |
| Top reward rate | 2.5% (shopping) | · 1% (general) |
| Base reward rate | · 0.25% | 1% |
| Forex markup | = 3.5% | = N/A |
| Welcome bonus | Amazon e-gift voucher worth ₹500 | · N/A |
| Fee waiver threshold | · ₹1,00,000 / yr | ₹50,000 / yr |
| Min income | · ₹3,00,000 | ₹1,44,000 |
| Min credit score | 700 | · N/A |
| Editorial rating | 4.4/5 | · 4/5 |
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 Pixel Go
- 1% cashback on eligible spends, including UPI
- 5% cashback on SmartBuy
- Joining fee waived on ₹10,000 spend in the first 90 days
- Renewal fee waived on ₹50,000 spend in a year
- Physical Visa card plus a RuPay digital card for UPI
FAQ
›SBI SimplyClick vs HDFC Pixel Go: which is better?
HDFC Pixel Go wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, HDFC Pixel Go 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 Pixel Go doesn't list a welcome bonus.