HDFC Millennia vs SBI SimplyCLICK vs Kotak Royale Signature
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Millennia | SBI SimplyCLICK | Kotak Royale Signature |
|---|---|---|---|
| Bank | HDFC Bank | SBI | Kotak Mahindra |
| Annual Fee | ₹1,000 + GST | ₹499 + GST | ₹999 + GST |
| Joining Fee | ₹1,000 + GST | ₹499 + GST | ₹999 + GST |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 10X Reward Points on online partners | 4 reward points per ₹150 on all spends |
| Best For | Online Shopping | Direct Online Shopping | Travel & Entertainment |
| Card Type | Cashback | Cashback | Premium |
| Rating | 4.6 | 4.3 | 4.3 |
HDFC Millennia
Online Shopping
- ✓ 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
- ✓ 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
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
Our Recommendation
Based on rating and overall value, HDFC Millennia currently ranks highest among your selected cards.