Head-to-head · 🇮🇳 India
SBI SimplyClick vs HDFC Smart Pay
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 3 of 10
IN
HDFC Bank
HDFC Smart Pay
Wins 4 of 10
Verdict
HDFC Smart Pay wins 4-3. Lowest-fee credit card from HDFC — utility-only. SBI SimplyClick is still the right call if first card for online buyers, low entry fee.
Side-by-side
| Criterion | SBI SimplyClick | HDFC Smart Pay |
|---|---|---|
| Annual fee | · ₹499 | ₹199 |
| Joining fee | · ₹499 | ₹199 |
| Top reward rate | 10% (shopping) | · 1% (general) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 500 CashPoints on activation |
| Fee waiver threshold | · ₹100,000 / yr | ₹20,000 / yr |
| Min income | · ₹300,000 | ₹180,000 |
| Min credit score | = 700 | = 700 |
| Editorial rating | 4.4/5 | · 3.8/5 |
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 Smart Pay
- 1 CashPoint per ₹150 on retail
- 1% fuel surcharge waiver
- Auto-pay reminders
- Contactless payments
FAQ
›SBI SimplyClick vs HDFC Smart Pay: which is better?
HDFC Smart Pay wins on more dimensions (4 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 Smart Pay 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 Smart Pay: 500 CashPoints on activation.