← All cards
HDFC Millennia vs SBI SimplyCLICK
Which credit card is better for you? Fees, rewards & charges side by side.
| 
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | ₹1,000 | ₹499 |
| Joining fee | ₹1,000 | ₹499 |
| Our rating | ★ 4.2 | ★ 4.0 |
| Rewards | 1% – 5% cashback | 0.25% – 2.5% value back |
| Best for | Young professionals using popular shopping & food apps | First-time card users who shop online |
| Top benefits | 💸 5% cashback 🛒 1% cashback 🎁 ₹1,000 voucher | 🔟 10X points 🎁 ₹500 Amazon 🎟️ ₹4,000 vouchers |
| Lounge access | 1 domestic/quarter via milestone | None |
| Fee waiver | Renewal fee waived on ₹1 lakh yearly spend | Renewal fee waived on ₹1 lakh yearly spend |
| Min. income | ₹4 lakh/year | ₹20,000/month |
| Credit score | 720+ | 750+ |
| Forex markup | 3.5% | 3.5% |
| Interest | 3.75%/month (45% p.a.) | 3.5%/month (42% p.a.) |
| Cash withdrawal | 2.5% (min ₹500) | 2.5% (min ₹500) |
| Late fee | ₹0 – ₹1,300 by bill amount | ₹0 – ₹1,300 by bill amount |
| Apply Now → | Apply Now → |
Quick verdict
The HDFC Millennia Credit Card is ₹1,000 a year and gives 1% – 5% cashback. The SBI SimplyCLICK Credit Card is ₹499 a year and gives 0.25% – 2.5% value back. The SBI SimplyCLICK is cheaper to keep. Our rating: HDFC Millennia ★ 4.2, SBI SimplyCLICK ★ 4.0.
Choose…
- HDFC Millennia if you are: young professionals using popular shopping & food apps. 5% cashback on 10 popular brands · 1% cashback on all other spends · ₹1,000 voucher every ₹1L quarter.
- SBI SimplyCLICK if you are: first-time card users who shop online. 10X points Amazon, Myntra, BookMyShow… · ₹500 Amazon voucher on fee payment · ₹4,000 vouchers on ₹1L & ₹2L online spend.
More comparisonsSBI Cashback vs HDFC MillenniaFlipkart Axis Bank vs Flipkart SBISBI Cashback vs Axis CashbackSBI Cashback vs Flipkart SBIHDFC Millennia vs HDFC Pixel PlayHDFC Swiggy Ornge vs HDFC MillenniaSBI SimplyCLICK vs SBI SimplySAVEScapia vs Uni Gold XIDFC FIRST WOW! vs ZETKotak League Platinum vs IDFC FIRST ClassicSBI BPCL vs Axis IndianOil RuPayAxis Neo vs HDFC UPI RuPayAxis Magnus vs SBI ELITEAxis Neo vs Axis MY ZoneSBI SimplyCLICK vs SBI PULSE