HDFC Millennia vs SBI SimplyCLICK
Side-by-side credit card comparison to help you choose the best one.
HDFC Millennia
Why this card wins: Online Shopping — 5% Cashback on Amazon, Flipkart, Swiggy
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | SBI |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹1,000 + GST | ₹499 + GST |
| Joining Fee | ₹1,000 + GST | ₹499 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 10X Reward Points on online partners |
| Best For | Online Shopping | Direct Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | ₹500 Amazon gift card |
| Min Income | ₹25,000/month | ₹20,000/month |
| Lounge Access | 8 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST |
| Rating | 4.6 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
SBI SimplyCLICK
Direct Online Shopping
Visa • Cashback
- Amazon gift card worth ₹500 on joining
- 5X Reward Points on other online spends
- Fee waiver on ₹1,00,000 annual spend
- Contactless technology enabled
Verdict
Based on rating and overall value, HDFC Millennia ranks highest among your selected cards. It excels at Online Shopping and offers 5% Cashback on Amazon, Flipkart, Swiggy.
Frequently asked questions
Which is better: HDFC Millennia or SBI SimplyCLICK?
HDFC Millennia has the higher CardKhoj rating (4.6/5) and is best for online shopping. SBI SimplyCLICK is the better fit if your priority is direct online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Millennia and SBI SimplyCLICK?
SBI SimplyCLICK is cheaper to hold at ₹499 + GST, compared with ₹1,000 + GST for HDFC Millennia.
Do HDFC Millennia and SBI SimplyCLICK offer airport lounge access?
HDFC Millennia: 8 domestic per year. SBI SimplyCLICK: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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