The SBI SimplyCLICK and HDFC Millennia are two of the highest-issued mid-range credit cards in India. Both target the online shopper. Both sit just below the ₹1,000 annual-fee mark. They are remarkably similar on paper — and meaningfully different in practice. Here's how they stack up.
Fees at a glance
| Metric | SBI SimplyCLICK | HDFC Millennia |
|---|---|---|
| Joining fee | ₹499 | ₹1,000 |
| Annual fee | ₹499 | ₹1,000 |
| Fee waiver | ₹1 lakh/year | ₹1 lakh/year |
| Interest rate | 3.5% p.m. | 3.6% p.m. |
| Foreign-txn fee | 3.5% | 3.5% |
SimplyCLICK wins on sticker price: half the fee. Both waive on the same ₹1L threshold.
Rewards: different engines, similar payout
SimplyCLICK uses a points system:
- 10x reward points on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, Apollo 24|7
- 5x reward points on all other online spends
- 1x on offline spends
- Redemption rate: 1 point ≈ ₹0.25 (statement credit)
Millennia uses direct cashback:
- 5% cashback (as CashPoints) on 10 online merchants: Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Sony LIV, BookMyShow, Tata CLiQ, Cult.fit
- 1% on all other spends
- CashPoints redeem 1:1 as statement credit
Effective rate on a ₹10,000 Amazon purchase:
- SimplyCLICK: 10 × 1 point per ₹100 × ₹0.25 = ₹250 back (2.5%)
- Millennia: ₹500 back (5%)
Millennia wins on Amazon. But SimplyCLICK's partner list includes Cleartrip — the cheapest flight/train/hotel booking portal in India — which Millennia does not. If you book flights regularly, that 10x on Cleartrip matters.
Perks and benefits
| Benefit | SimplyCLICK | Millennia |
|---|---|---|
| Lounge access | No | 8 domestic/year (2 per quarter) |
| Welcome bonus | ₹500 Amazon voucher | 1,000 CashPoints |
| Fuel surcharge waiver | 1% up to ₹100/month | 1% up to ₹250/month |
| Milestone bonus | ₹2,000 on ₹1L quarterly | ₹1,000 on ₹1L quarterly |
Millennia's 8 complimentary lounge visits per year are a clear win — that benefit alone is worth ~₹8,000 at drop-in rates.
Who should pick which?
Pick SBI SimplyCLICK if:
- You book Cleartrip flights or hotels more than twice a year.
- You want the lowest annual fee in this tier.
- You prefer SBI's ATM/branch network or already bank there.
Pick HDFC Millennia if:
- Your online spending is spread across Amazon/Flipkart/Myntra/Swiggy — the 5% effective rate is simply higher.
- You fly domestic at least 2× a year — the lounge access pays for the card.
- You already bank with HDFC — app integration is better.
If either card feels like a stretch on your current spend, the lifetime-free ICICI Amazon Pay credit card is a safer starter pick. For readers moving up to a higher tier, our HDFC Regalia Gold review covers the next logical step.
Our verdict
For most Indians in 2026, HDFC Millennia is the slightly better pick — higher effective cashback, lounge access, stronger app experience. SBI SimplyCLICK wins on fee and on the Cleartrip category boost.
FAQs
Can I hold both cards?
Yes. Many frequent online shoppers do — Millennia for the 5% merchants, SimplyCLICK for Cleartrip. Just keep total utilisation below 30% of combined limits to protect your score.
Which is easier to get approved?
Both approve at ₹25,000+ monthly salary with a CIBIL above 700. SimplyCLICK tends to approve slightly faster for SBI savings-account holders.
🧭 Compare next: SBI credit cards compared · HDFC Bank credit cards compared
Credit Cards Editor, OnePaisa Editorial
Sandhya writes on credit cards for OnePaisa — reward programmes, fees and charges, lounge and travel benefits, and head-to-head card comparisons. Every fee, earn rate and benefit in her guides is checked against the issuer's MITC document and official product page, and against OnePaisa's verified product data, before it is published. Where an issuer does not disclose a number, the guide says so instead of estimating it.
Work published under this byline follows OnePaisa’s editorial standards — how our guides are researched, fact-checked against primary sources, and corrected.