The SimplyCLICK SBI Credit Card is a budget-friendly, entry-level option with an annual fee of just ₹499. While it doesn’t include premium perks like airport lounge access or dining discounts, it still offers solid value by rewarding users with gift vouchers worth up to ₹4,000 per year. On the other hand, the HDFC Millennia Credit Card, also targeted at entry-level users, comes with a slightly higher annual fee of ₹1,000. However, it is offering 5% cashback on ten popular platforms in India. Additionally, users earn 1% cashback on all other eligible online and offline purchases. Keep reading for a detailed comparison of the two cards.
Annual Fees and Welcome Benefits
The SBI SimplyCLICK comes at a lower cost, with a joining and renewal fee of ₹499 plus GST. The HDFC Millennia, on the other hand, charges ₹1,000 plus GST annually. However, both cards offer a fee waiver if you spend ₹1 lakh in a year. In terms of joining perks, HDFC Millennia offers Cash Points ₹1,000 on payment of the joining fee. The SBI SimplyCLICK provides a ₹500 Amazon gift card on joining.
The SBI SimplyCLICK includes two major milestone rewards: spend ₹1 lakh in a year and earn a ₹2,000 Cleartrip voucher, and spend ₹2 lakh to receive another ₹2,000 voucher. HDFC Millennia offers gift vouchers worth ₹1,000 on spending ₹1 lakh every quarter, totaling ₹4,000 annually on spends of ₹4 lakh.
| Particulars | HDFC Millennia | SBI SimplyCLICK |
| Annual Fee | ₹1,000 + GST | ₹499 + GST |
| Welcome Benefits | Bonus 1,000 Cash Points | Amazon Voucher Worth ₹500 |
| Milestone Benefits | On Spending ₹1 Lakh or More per Quarter, Receive Gift Vouchers Worth ₹1,000 |
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Reward Structure Comparison
HDFC Millennia offers 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber, and Zomato. You also receive 1% cashback on all other purchases. Cashback earned on the HDFC Millennia Credit Card is credited as CashPoints to the card account at the end of the statement cycle.
With SBI SimplyCLICK, you earn 10X points on partner websites like Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, and Yatra, and 5X points on other online spends. Offline spending earns just 1X reward points..
| Particulars | HDFC Millennia | SBI SimplyCLICK |
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| Redeeming Points |
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Choose Products From SBI Card’s Reward Catalog (1 Reward Point = ₹0.25) |
Other Lifestyle Perks
Neither of these cards offers any additional lifestyle perks, except for the dining benefits associated with the HDFC Millennia credit card, which provide an instant discount of ₹200 with Swiggy Dineout.
Bottom Line
The SBI SimplyCLICK Credit Card is ideal for those just starting their credit journey or anyone who wants a simple, low-fee card with some milestone travel rewards. If you plan to spend about ₹2 lakh annually, this card gives you solid value.
The HDFC Millennia Credit Card, however, is more rewarding for users who spend frequently on food delivery, e-commerce, and daily essentials. With consistent cashback, quarterly vouchers, and added dining benefits. If your monthly spending is high and you’re active on platforms like Amazon, Flipkart, Swiggy, or Zomato, the HDFC Millennia is a better long-term pick.
Click the “Apply Now” button below to start your HDFC Millennia application today.