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HDFC MoneyBack+ Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

Customize your spend

Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

HDFC MoneyBack+ Credit Card

HDFC Bank

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature
HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

HDFC Bank

SBI SimplyCLICK credit card

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹500₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹20,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹911/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Top reward rate10X points10X points
Primary reward cap₹2,500 eligible spend/mo₹10,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus₹500₹500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC MoneyBack+ Credit Card details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI SimplyCLICK leads HDFC MoneyBack+ Credit Card by about ₹781/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

HDFC MoneyBack+ Credit Card vs SBI SimplyCLICK comparison table
FeatureHDFC MoneyBack+ Credit Card

HDFC Bank

SBI SimplyCLICK

SBI Card

Fees & eligibility
Annual fee₹500₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹20,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹130/yr₹911/yr
Online shopping₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Top reward rate10X points10X points
Primary reward cap₹2,500 eligible spend/mo₹10,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusionsEMI · Fuel · RentEMI · Fuel · Rent · Wallet
Bonuses
Signup bonus₹500₹500

Frequently asked questions

Which card has the lower annual fee?
SBI SimplyCLICK has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
SBI SimplyCLICK leads with an estimated ₹911/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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