Head-to-head · 🇮🇳 India
SBI SimplyClick vs HDFC Swiggy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 6 of 10
IN
HDFC Bank
HDFC Swiggy
Wins 1 of 10
Verdict
SBI SimplyClick wins 6-1. First card for online buyers, low entry fee HDFC Swiggy is still the right call if heavy swiggy/instamart users — 10% on the platform tops anything else..
Side-by-side
| Criterion | SBI SimplyClick | HDFC Swiggy |
|---|---|---|
| Annual fee | ₹499 | · ₹500 |
| Joining fee | ₹499 | · ₹500 |
| Top reward rate | = 10% (shopping) | = 10% (dining) |
| Base reward rate | 1.25% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 3-month Swiggy One membership (₹1,499 value) |
| Fee waiver threshold | ₹100,000 / yr | · ₹200,000 / yr |
| Min income | ₹300,000 | · ₹360,000 |
| Min credit score | 700 | · 740 |
| 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 Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
FAQ
›SBI SimplyClick vs HDFC Swiggy: which is better?
SBI SimplyClick wins on more dimensions (6 vs 1). 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 Swiggy 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 Swiggy: 3-month Swiggy One membership (₹1,499 value).