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
Freedom Credit Card
Rs 500Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
Entry Level Rewards, Shopping, Dining, Travel
Top rewards
BigBasket, BookMyShow, OYO, Swiggy, And Uber (10X CashPoints): 10 CashPoints / ₹150 spent; UPI Transactions (RuPay Variant): 1 CashPoint / ₹150 spent; Other Retail Spends: 1 CashPoint / ₹150 spent
| Feature | SimplyCLICK Credit Card | Freedom Credit Card |
|---|---|---|
| Issuer | SBI Card | HDFC Bank |
| Network | Visa | Visa, Mastercard, RuPay |
| Joining fee | Rs 499 | Rs 500 |
| Annual fee | Rs 499 | Rs 500 |
| Fee waiver spend | Rs 1,00,000 | Rs 50,000 |
| Reward type | Reward Points | CashPoints |
| Best for | Online Shopping, Partner Merchants, Entry Level Rewards | Entry Level Rewards, Shopping, Dining, Travel |
| Top reward categories | 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 | BigBasket, BookMyShow, OYO, Swiggy, And Uber (10X CashPoints): 10 CashPoints / ₹150 spent; UPI Transactions (RuPay Variant): 1 CashPoint / ₹150 spent; Other Retail Spends: 1 CashPoint / ₹150 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | 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 | 500 CashPoints on fee realisation, applicable only on payment of joining membership fee, Renewal fee waived on spending ₹50,000 or more in the preceding 12 months |
| Redemption | Statement credit: upto ₹ 0.25 per point | SmartBuy travel: upto ₹ 0.15 per point; Statement credit: upto ₹ 0.15 per point |
| Key exclusions | offline fuel transactions, rent payments, cash advances, balance transfers, government related transactions, digital gaming transactions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Cash advances / cash withdrawals |