MoneyBack+ Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Household Spends, Shopping, Entry Level Rewards
Top rewards
Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / ₹200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / ₹200 spent; Other Retail Spends: 2 CashPoints / ₹200 spent
SimplyCLICK Credit Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Online Shopping, Partner Merchants, Entry Level Rewards
Top rewards
Exclusive Online Partners: 10X Reward Points / ₹100 spent with exclusive partners; Other Online Spends: 5X Reward Points / ₹100 spent on other online spends; Other Eligible Spends: 1 Reward Point / ₹100
| Feature | MoneyBack+ Credit Card | SimplyCLICK Credit Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Network | Visa, Mastercard, RuPay | Visa |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 1,00,000 |
| Reward type | CashPoints | Reward Points |
| Best for | Household Spends, Shopping, Entry Level Rewards | Online Shopping, Partner Merchants, Entry Level Rewards |
| Top reward categories | Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / ₹200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / ₹200 spent; Other Retail Spends: 2 CashPoints / ₹200 spent | Exclusive Online Partners: 10X Reward Points / ₹100 spent with exclusive partners; Other Online Spends: 5X Reward Points / ₹100 spent on other online spends; Other Eligible Spends: 1 Reward Point / ₹100 |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Gift voucher worth ₹500 on spends of ₹50,000 per calendar quarter | Cleartrip or Yatra e-voucher worth ₹2,000 on annual online spends of ₹1 lakh, Cleartrip or Yatra e-voucher worth ₹2,000 on annual online spends of ₹2 lakh |
| Redemption | SmartBuy travel: upto ₹ 0.25 per point; Statement credit: upto ₹ 0.25 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel spends, Rental payments, Government transactions, Insurance spends, Wallet loading transactions, EMI transactions | offline fuel transactions, rent payments, cash advances, balance transfers, government related transactions, digital gaming transactions |