HSBC Cashback Card vs SBI SimplyCLICK
Side-by-side credit card comparison to help you choose the best one.
HSBC Cashback Card
Why this card wins: Pure Cashback — 1.5% unlimited cashback on all spends
| Feature | ||
|---|---|---|
| Bank | HSBC India | SBI |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹750 + GST | ₹499 + GST |
| Joining Fee | ₹750 + GST | ₹499 + GST |
| Rewards | 1.5% unlimited cashback on all spends | 10X Reward Points on online partners |
| Best For | Pure Cashback | 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 | ₹750 cashback on first ₹7,500 spend | ₹500 Amazon gift card |
| Min Income | ₹25,000/month | ₹20,000/month |
| Lounge Access | 2 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 | 4.4 | 4.3 |
| Contactless | ||
| EMI Conversion |
Key Features
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
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, HSBC Cashback Card ranks highest among your selected cards. It excels at Pure Cashback and offers 1.5% unlimited cashback on all spends.
Frequently asked questions
Which is better: HSBC Cashback Card or SBI SimplyCLICK?
HSBC Cashback Card has the higher CardKhoj rating (4.4/5) and is best for pure cashback. 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: HSBC Cashback Card and SBI SimplyCLICK?
SBI SimplyCLICK is cheaper to hold at ₹499 + GST, compared with ₹750 + GST for HSBC Cashback Card.
Do HSBC Cashback Card and SBI SimplyCLICK offer airport lounge access?
HSBC Cashback Card: 2 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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