HDFC MoneyBack+ Vs SBI SimplyClick Credit Card

What if your credit card could help you save money every time you shop online? In today’s digital world, online spending has become the norm. Whether you’re ordering food, booking movie tickets, shopping for groceries, or buying the latest gadgets on Amazon and Flipkart, the right credit card can help you earn rewards and get more value from every purchase. This is why choosing a card that matches your spending habits is more important than ever.

Among the many options available, the HDFC MoneyBack+ and SBI SimplyCLICK Credit Card are two popular choices for people who frequently shop online. Both cards offer rewards, welcome benefits, and savings on online transactions, which makes both cards a good option for people who prefer digital payments.

However, the way these cards reward cardholders is quite different. While one focuses on accelerated rewards across popular spending categories, the other offers additional benefits on selected online shopping platforms.

So, which card gives better value for your money? Which one is more rewarding for your shopping habits? In this detailed comparison of the HDFC MoneyBack+ vs SBI SimplyCLICK Credit Card, we’ll take a closer look at their features, fees, rewards, benefits, and overall value to help you make the right choice.

In Terms of Fee Structure and Welcome Benefits

When comparing the HDFC MoneyBack+ and SBI SimplyCLICK Credit Card, the first thing many people look at is the cost of owning the card and the benefits they get right after joining. Both cards come with a similar joining fee and annual fee, making them affordable options for most users.

However, the real difference lies in their welcome benefits. The HDFC MoneyBack+ Credit Card welcomes new cardholders with 500 CashPoints as a joining benefit. In addition, cardholders receive another 500 CashPoints every year upon renewing their card, allowing them to continue earning value beyond the first year.

On the other hand, SBI SimplyCLICK greets new users with an Amazon gift voucher worth ₹500, offering instant value that online shoppers can use right away.

Both cards leave a strong first impression. Your choice may depend on whether you prefer earning reward points for future savings or enjoying immediate shopping benefits. Either way, both cards offer perks right from the start.

In Terms of Milestone Benefits

If you use your credit card regularly, milestone benefits can help you get extra value from your spending. Both the HDFC MoneyBack+ and SBI SimplyCLICK Credit Card offer such benefits, but they reward users in different ways.

With the HDFC MoneyBack+, cardholders get a gift voucher worth ₹500 for spending ₹50,000 or more in a quarter. Since this benefit is available every quarter, you can earn gift vouchers worth up to ₹2,000 in a year.

The SBI SimplyCLICK Credit Card, on the other hand, is for people who spend more online. If you spend ₹1 lakh online in a year, you get a ₹2,000 e-voucher from Cleartrip or Yatra. On reaching ₹2 lakh in annual online spends, you receive another ₹2,000 e-voucher. In addition, the annual fee is waived if you spend ₹1 lakh or more in the previous year.

The HDFC MoneyBack+ is a good option if you like earning rewards regularly throughout the year. However, if your online spending is higher, the SBI SimplyCLICK Credit Card can offer bigger rewards and extra savings through its annual fee waiver.

In Terms of Reward Rate

For many cardholders, the real value of a credit card lies in the rewards it offers on everyday spending. This is where the HDFC MoneyBack+ and SBI SimplyCLICK Credit Card stand out, as both cards reward online shoppers. However, the way they earn reward points is quite different.

The HDFC MoneyBack+ Credit Card offers 10X CashPoints (20 CPs/₹200)  when the cardholder spends on popular platforms such as Amazon, Flipkart, Swiggy, BigBasket, and Reliance Smart Bazaar. This is capped at  2,500 CashPoints per calendar month. For all other spends, cardholders earn 2 CashPoints for every ₹150 spent.

On the other hand, the SBI SimplyCLICK Credit Card offers 10X Reward Points on spends made at partner brands such as Apollo 24×7, BookMyShow, Cleartrip, Myntra, Netmeds, Swiggy, Yatra, and more. Cardholders also earn 5X Reward Points on other online spends and 1 Reward Point for every ₹100 spent offline. The accelerated online rewards are subject to a cumulative cap of 10,000 Reward Points per calendar month.

The HDFC MoneyBack+ Credit Card is a strong option for shoppers who regularly use its partner platforms and want simple rewards. The SBI SimplyCLICK Credit Card, however, offers rewards across a wider range of online merchants and comes with a much higher monthly reward cap, making it more suitable for frequent online shoppers.

Bottom Line

Choosing between the HDFC MoneyBack+ and SBI SimplyCLICK Credit Card is a bit like choosing between two good shopping companions. Both cards reward online spending, but they do it in different ways.

The HDFC MoneyBack+ works well for people who regularly shop on popular platforms like Amazon, Flipkart, Swiggy, and BigBasket and want rewards coming in throughout the year. SBI SimplyCLICK, on the other hand, is better suited for those who spend more online and want bigger milestone rewards along with a higher reward points cap.

The good news is that you are unlikely to go wrong with either card. The real winner depends on your shopping habits. Take a moment to think about where you spend the most money online. If a card rewards those purchases, it is probably the one that deserves a spot in your wallet.