Head-to-head · 🇮🇳 India
SBI SimplyClick vs HDFC Regalia Gold
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 Regalia Gold
VISA
Wins 4 of 10
Verdict
SBI SimplyClick wins 5-4. First card for online buyers, low entry fee HDFC Regalia Gold is still the right call if mid-tier travel + dining without the diners black price tag.
Side-by-side
| Criterion | SBI SimplyClick | HDFC Regalia Gold |
|---|---|---|
| Annual fee | ₹499 | · ₹2,500 |
| Joining fee | ₹499 | · ₹2,500 |
| Top reward rate | · 10% (shopping) | 25% (travel) |
| Base reward rate | · 1.25% | 4% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher |
| Fee waiver threshold | ₹100,000 / yr | · ₹400,000 / yr |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | · 4.4/5 | 4.6/5 |
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 Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
FAQ
›SBI SimplyClick vs HDFC Regalia Gold: 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 Regalia Gold 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 Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher.