Head-to-head · 🇮🇳 India
SBI SimplyClick vs HDFC Regalia
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 7 of 10
IN
HDFC Bank
HDFC Regalia
VISA
Wins 2 of 10
Verdict
SBI SimplyClick wins 7-2. First card for online buyers, low entry fee HDFC Regalia is still the right call if mid-tier travel without the regalia gold price tag..
Side-by-side
| Criterion | SBI SimplyClick | HDFC Regalia |
|---|---|---|
| Annual fee | ₹499 | · ₹2,500 |
| Joining fee | ₹499 | · ₹2,500 |
| Top reward rate | 10% (shopping) | · 2.7% (general) |
| Base reward rate | · 1.25% | 2.7% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 2,500 reward points on first 90-day spend |
| Fee waiver threshold | ₹100,000 / yr | · ₹300,000 / yr |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | 4.4/5 | · 4.3/5 |
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 Regalia
- 4 reward points per ₹150
- 12 domestic + 6 international lounge visits/year
- Low forex markup 2%
- Buy-1-get-1 BookMyShow tickets
- Milestone reward points at ₹1L, ₹5L
FAQ
›SBI SimplyClick vs HDFC Regalia: which is better?
SBI SimplyClick wins on more dimensions (7 vs 2). 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 Regalia 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 Regalia: 2,500 reward points on first 90-day spend.