Hdfc Millennia vs Sbi Simplyclick — कौन सा बेहतर? (2026)
Hdfc Millennia और Sbi Simplyclick की विस्तृत तुलना — rewards, fees, eligibility। Winner ranked by net value on a moderate spend profile — fees and caps included.
Updated 21 जून 2026·2 cards · 3 min scan·CardHungry
Top pick · HDFC Millennia Credit Card
Net / yr
₹6,300
Annual fee
Free
Return
1.7%
Comparison
Net annual value · moderate spend
Comparison winner: HDFC Millennia Credit Card, ₹6,300 per year net
HDFC Millennia Credit Card
HDFC Bank
Net / yr
₹6,300
Fee
₹1,000
Top
5%
- ✓Wins this head-to-head — about ₹6,300/yr net after fees on typical spends.
- ✓Best for smartbuy partners — 5%, up to ₹1,000/mo.
HDFC Millennia Credit Card
HDFC Bank
Net / yr
₹6,300
Fee
₹1,000
Top
5%
- ✓Wins this head-to-head — about ₹6,300/yr net after fees on typical spends.
- ✓Best for smartbuy partners — 5%, up to ₹1,000/mo.
SBI SimplyCLICK
SBI Card
Net / yr
₹911
Fee
₹499
Top
10X points
- ✓Strong runner-up at ₹911/yr net — roughly ₹5,389 behind #1 on the same spend mix.
- ✓Best for partner merchants — 10X points, up to ₹10,000/mo partner spend.
Why the other card ranks lower
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at ₹911/yr net — roughly ₹5,389 behind #1 on the same spend mix.
- Best for partner merchants — 10X points, up to ₹10,000/mo partner spend.
- Rewards (₹1,920/yr) still beat the ₹589 fee on this profile.
2SBI SimplyCLICKSBI Card
- Strong runner-up at ₹911/yr net — roughly ₹5,389 behind #1 on the same spend mix.
- Best for partner merchants — 10X points, up to ₹10,000/mo partner spend.
- Rewards (₹1,920/yr) still beat the ₹589 fee on this profile.
Full review →Net / yr
₹911
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Wins this head-to-head — about ₹6,300/yr net after fees on typical spends.
- Best for smartbuy partners — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
1HDFC Millennia Credit CardHDFC Bank
- Wins this head-to-head — about ₹6,300/yr net after fees on typical spends.
- Best for smartbuy partners — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹6,300
- Strong runner-up at ₹911/yr net — roughly ₹5,389 behind #1 on the same spend mix.
- Best for partner merchants — 10X points, up to ₹10,000/mo partner spend.
- Rewards (₹1,920/yr) still beat the ₹589 fee on this profile.
2SBI SimplyCLICKSBI Card
- Strong runner-up at ₹911/yr net — roughly ₹5,389 behind #1 on the same spend mix.
- Best for partner merchants — 10X points, up to ₹10,000/mo partner spend.
- Rewards (₹1,920/yr) still beat the ₹589 fee on this profile.
Full review →Net / yr
₹911
Net value snapshot
Rewards minus annual fee on your spend profile
- #1HDFC Millennia Credit Card₹6,300#1HDFC Millennia Credit Card₹6,300
- #2SBI SimplyCLICK₹911#2SBI SimplyCLICK₹911
Before you apply
कोई भी सबके लिए नहीं जीतता
hdfc millennia vs sbi simplyclick — बेहतर कार्ड आपके खर्च पर निर्भर करता है। हेडलाइन % नहीं, अपने प्रोफ़ाइल पर नेट वैल्यू देखें।
कैप और बहिष्कृत खर्च देखें
विजेता चुनने से पहले मासिक रिवॉर्ड कैप और बाहर की कैटेगरी (रेंट, वॉलेट, EMI) तुलना करें।
पहले एक के लिए आवेदन करें
हर आवेदन पर CIBIL इन्क्वायरी लगती है। अपने खर्च के लीडर को चुनें, दूसरे पर बाद में विचार करें।
Frequently asked questions
Hdfc Millennia or Sbi Simplyclick — which is better?+
Neither wins universally. Compare net annual value on your specific spends using our comparison tool. Hdfc Millennia may win for one profile; Sbi Simplyclick for another.
Can I apply for both cards?+
Possible, but multiple applications close together hurt approval odds. Apply to the best fit first; wait 3–6 months for a second card.
Do these cards have joining fees?+
Varies by channel and variant. See each product page on CardHungry for current joining and annual fees before applying.
How often is this comparison updated?+
Reward rates and fees are re-verified against issuer T&Cs periodically. Net value figures use CardHungry's calculator with current rules.
Is there a third card I should consider?+
Often yes. Our quiz surfaces a third option optimised for your income and spends — not just these two.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
HDFC Millennia Credit Card vs SBI SimplyCLICK — which credit card is better in 2026? This in-depth comparison covers reward rules, monthly caps, exclusions, annual fees, forex costs, eligibility, and net annual value across light, moderate, and heavy spend profiles. No sponsored ranking: every number comes from CardHungry's transparent calculator.
On this page
- At-a-glance table
- Net value by spend
- Reward rules
- Benefits
- HDFC Millennia Credit Card
- SBI SimplyCLICK
- Exclusions compared
- Who should pick which
- Spend scenarios
- Before you apply
At-a-glance comparison
| Factor | HDFC Millennia Credit Card | SBI SimplyCLICK |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Annual fee | ₹1,000 | ₹499 |
| Min income | ₹35,000/mo | ₹20,000/mo |
| Top reward | 5% | 10X points |
| Forex markup | 3.5% | 3.5% |
| Secured option | No | No |
| Moderate NAV winner | HDFC Millennia Credit Card | — |
Net annual value by spend profile
| Profile | HDFC Millennia Credit Card | SBI SimplyCLICK |
|---|---|---|
| Light spender net value | ₹2,640 | ₹151 |
| Moderate spender net value | ₹6,300 | ₹911 |
| Heavy spender net value | ₹14,400 | ₹411 |
Reward rules compared
| Rule | HDFC Millennia Credit Card | SBI SimplyCLICK |
|---|---|---|
| Reward rule 1 | online shopping: 5% (cap ₹1,000/mo) | online shopping: 10X (cap ₹10,000/mo) |
| Reward rule 2 | travel: 5% (cap ₹1,000/mo) | upi: 1X |
| Reward rule 3 | all: 1% | all: 1X |
Benefits compared
HDFC Millennia Credit Card
- 5% on partners
- 1% cashback on other spends
- SmartBuy rewards
SBI SimplyCLICK
- 10X rewards on partners
- Amazon welcome voucher
- Low annual fee
HDFC Millennia Credit Card — full breakdown
HDFC Millennia Credit Card
Issuer: HDFC Bank · Tier: Gold · Annual fee: ₹1,000 · Signup bonus: ₹1,000
Millennial favourite
Eligibility snapshot
- Min monthly income (salaried): ₹35,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- online shopping: 5% cashback — cap ₹1,000/month
- travel: 5% cashback — cap ₹1,000/month
- all: 1% cashback
Headline highlight: 5% on SmartBuy partners (cap ₹1,000/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹6,720
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹6,300 (1.69% effective return)
Key benefits
- 5% on partners
- 1% cashback on other spends
- SmartBuy rewards
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet, Government.
Best for: SmartBuy पोर्टल उपयोगकर्ता · ₹35K+ आय · पार्टनर डील खोजने वाले
Read full HDFC Millennia Credit Card review with spend simulator →
SBI SimplyCLICK — full breakdown
SBI SimplyCLICK
Issuer: SBI Card · Tier: Gold · Annual fee: ₹499 · Signup bonus: ₹500
Partner rewards powerhouse
Eligibility snapshot
- Min monthly income (salaried): ₹20,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- online shopping: 10X points — cap ₹10,000/month
- upi: 1X points
- all: 1X points
Headline highlight: 10X points on Partner merchants (cap ₹10,000/mo partner spend)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹1,920
- Annual fee: −₹589
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹911 (0.24% effective return)
Key benefits
- 10X rewards on partners
- Amazon welcome voucher
- Low annual fee
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet.
Best for: Amazon/BookMyShow users · Partner 10X rewards · ₹20K+ income
Read full SBI SimplyCLICK review with spend simulator →
Exclusions compared
| Typically excluded | HDFC Millennia Credit Card | SBI SimplyCLICK |
|---|---|---|
| Common | EMI, Fuel, Rent, Wallet | EMI, Fuel, Rent, Wallet |
Who should pick which?
- Pick HDFC Millennia Credit Card if your spend pattern aligns with its highest-rate categories and you meet income criteria.
- Pick SBI SimplyCLICK if its caps, fee structure, or partner merchants match your wallet better.
- Pick neither yet if both net values are under ₹2,000/year on your spends — a third option may win (see quiz).
Spend scenario cheat sheet
- Heavy online shopper: Compare online category rates and caps first.
- Bill-pay heavy: Check utilities and telecom MCC eligibility.
- Travel / forex: Weight forex markup as heavily as reward rate.
- Fee-averse: If both NAV differences are under ₹1,000/yr, choose the free card.
Before you apply
CardHungry never pulls CIBIL. Use our interactive comparison or quiz for a third alternative. One application at a time; wait 3–6 months between rejections.
Related guides
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CIBIL pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.