Which card has the lower annual fee?

SBI SimplyCLICK has the lowest annual fee at ₹499.

Which card earns more on moderate spend?

Swiggy BLCK HDFC Bank Credit Card leads with an estimated ₹10,080/yr net annual value on moderate spend.

Which card has the lower income requirement?

SBI SimplyCLICK 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.

Side-by-side · honest numbers

Swiggy BLCK HDFC Bank Credit Card vs SBI SimplyCLICK

Honest side-by-side comparison of Swiggy BLCK HDFC Bank 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.

Card 1

Swiggy BLCK HDFC Bank Credit Card

HDFC Bank

Card 2

SBI SimplyCLICK

SBI Card

Your adjusted comparison

Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	SBI Card SimplyCLICK 6521 5246 1530 7816 Valid thru 12/28 Acc CREDIT Card holder SBI SIMPLYCLICK Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• SBI SimplyCLICK Top reward: 10X points Annual fee: ₹499 Min income: ₹20,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹1,000	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	₹911/yr
Online shopping	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo	₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Dining & delivery	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo	—
Top reward rate	10%	10X points
Primary reward cap	₹1,500 rewards/mo cap	₹10,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹500

Stack mode (hold both)

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

Swiggy BLCK HDFC Bank Credit Card details →SBI SimplyCLICK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Swiggy BLCK HDFC Bank Credit Card leads SBI SimplyCLICK by about ₹9,169/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

Swiggy BLCK HDFC Bank Credit Card vs SBI SimplyCLICK comparison table
Feature	Swiggy BLCK HDFC Bank Credit Card HDFC Bank	SBI SimplyCLICK SBI Card
Fees & eligibility
Annual fee	₹1,000	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹10,080/yr	₹911/yr
Online shopping	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo	₹8,000 → 533 pts/mo × ₹0.25/pt = ₹133.33/mo (₹1,600/yr) · issuer max ₹10,000/mo
Dining & delivery	₹3,500 × 10% = ₹350/mo (₹4,200/yr) · issuer max ₹1,500/mo	—
Top reward rate	10%	10X points
Primary reward cap	₹1,500 rewards/mo cap	₹10,000 eligible spend/mo
UPI rewards	Not supported (Visa/MC)	Earns: 10X Reward Points on dining, movies, department stores & partner spends (eligible channels) · cap Accelerated caps per SBI T&Cs
Key exclusions	EMI · Fuel · Rent · Wallet loads	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	—	₹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?: Swiggy BLCK HDFC Bank Credit Card leads with an estimated ₹10,080/yr net annual value on moderate spend.
Which card has the lower income requirement?: SBI SimplyCLICK 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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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