SimplyCLICK SBI 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 / Rs 100 spent with exclusive partners; Other online spends: 5X Reward Points / Rs 100 spent on other online spends; Other eligible spends: 1 Reward Point / Rs 100
HDFC Bank 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 / Rs 200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / Rs 200 spent; Other retail spends: 2 CashPoints / Rs 200 spent
| Feature | SimplyCLICK SBI Card | HDFC Bank MoneyBack+ 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 | household spends, shopping, entry level rewards |
| Top reward categories | Exclusive online partners: 10X Reward Points / Rs 100 spent with exclusive partners; Other online spends: 5X Reward Points / Rs 100 spent on other online spends; Other eligible spends: 1 Reward Point / Rs 100 | Amazon, Flipkart, Swiggy (10X CashPoints): 20 CashPoints / Rs 200 spent; Reliance Smart SuperStore & BigBasket (10X CashPoints): 20 CashPoints / Rs 200 spent; Other retail spends: 2 CashPoints / Rs 200 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 Rs 2,000 on annual online spends of Rs 1 lakh, Cleartrip or Yatra e-voucher worth Rs 2,000 on annual online spends of Rs 2 lakh | Gift voucher worth Rs 500 on spends of Rs 50,000 per calendar quarter |
| Redemption | Statement credit: upto Rs 0.25 per point | SmartBuy travel: upto Rs 0.25 per point; Statement credit: upto Rs 0.25 per point |
| Key exclusions | offline fuel transactions, rent payments, cash advances, balance transfers, government related transactions, digital gaming transactions | Fuel spends, Rental payments, Government transactions, Insurance spends, Wallet loading transactions, EMI transactions |