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HDFC Millennia vs SBI SimplyCLICK

Both cards compared on real rupee returns for best online shopping rewards card India HDFC Millennia vs SBI SimplyCLICK. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
HDFC
MILLENNIA
ASHOK KUMAR
VS
SBI
SIMPLYCLICK
ASHOK KUMAR
Our verdict
HDFC Millennia Credit Card wins for most people
Card A wins with ₹1,760 annual benefit versus Card B's ₹941, delivering 87% higher value despite a higher fee. The decisive advantage comes from consistent 2.5% cashback on your ₹6,000 monthly online shopping.
Side-by-side comparison
HDFC Millennia Credit Card ✓ SBI SimplyCLICK Credit Card
Annual benefit ₹1,760 ₹941
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,000 + taxes (waived on ₹1L spend) ₹499 + taxes (waived on ₹1L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 visits/year (domestic) No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Everyday online shopping with a modest, capped cashback Online spend with SBI relationship
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3.5L+ per year ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
HDFC Millennia Credit Card
Choose Card A if online shopping dominates your spend. Its flat 2.5% cashback on e-commerce (₹1,500/month) compounds significantly, easily offsetting the higher fee through cumulative rewards.
SBI SimplyCLICK Credit Card
Choose Card B if you frequently shop at partner brands like Myntra, Swiggy, or BookMyShow. The 10X points (2.5%) on these platforms can match Card A, plus lower fee provides relief if you miss ₹1L annual spend.
Who should get which card
Get HDFC Millennia if you…
· Higher annual benefit (₹1,760) — 87% more value than Card B
· Consistent 2.5% on all online shopping without tracking partner categories
· Better for general e-commerce across multiple platforms
Get SBI SimplyCLICK if you…
· Lower annual fee (₹499 vs ₹1,000) — easier to justify if spend varies
· Best value if you shop frequently at partner brands like Myntra or Swiggy
· Suitable for users prioritizing simpler reward tracking with established SBI relationship
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Related guides
HDFC Millennia vs Axis ACE →HDFC Millennia vs SBI Cashback →HDFC MoneyBack+ vs HDFC Millennia →HDFC Millennia vs HDFC Regalia Gold →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, HDFC Millennia Credit Card offers better annual returns for most spend profiles.
HDFC Millennia Credit Card has an annual fee of ₹1,000 + taxes (waived on ₹1L spend). SBI SimplyCLICK Credit Card has an annual fee of ₹499 + taxes (waived on ₹1L spend).
HDFC Millennia Credit Card offers 2.5% cashback on online shopping, 1% on other spends: the advertised 5% rate is only available via HDFC's own PayZapp/SmartBuy portal specifically, not general shopping. SBI SimplyCLICK Credit Card offers 10X reward points (2.5%) on online spends at partner brands (Apollo 24x7, BookMyShow, Cleartrip, Domino's, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, Tata Cliq); 5X (1.25%) on all other online spends; 1 point per ₹100 (0.25%) on offline spends. 4 points = ₹1.
HDFC Millennia Credit Card lounge access: 8 visits/year (domestic). SBI SimplyCLICK Credit Card lounge access: No.
HDFC Millennia Credit Card charges 3.5% forex markup. SBI SimplyCLICK Credit Card charges 3.5% forex markup.