Loading comparison…
HDFC Millennia Credit Card costs ₹1,000 a year and earns 1% on base spends (assumes 1 cashpoint = re.1 when redeemed against statement balance (min 500 cashpoints, request only); 1 cashpoint = rs.0.30 for smartbuy travel/catalogue redemption. this is a cashback card; cashpoints are the cashback vehicle.), with no complimentary lounge access. SBI SimplyCLICK Credit Card costs ₹499 a year and earns 0.20% on base spends (assumes 1 reward point = rs 0.20 via the simplyclick rewards catalogue e-gift voucher path (issuer's stated primary redemption, t&c: 'redeem your credit card reward points against e-gift vouchers from the simplyclick partners, in the rewards catalogue'); derived first-hand from issuer catalogue item 'amazon pay egift card rs 500 = 2500 points' (500/2500 = 0.20). sbi states no explicit per-point rs value on its rewards/faq pages.), with no complimentary lounge access. Use the table below to weigh fees, rewards, lounge access, insurance cover and eligibility side by side.
Use the table above to compare HDFC Millennia Credit Card and SBI SimplyCLICK Credit Cardacross fees, reward depth, travel benefits, insurance cover, eligibility and features. Lowest fees and highest rewards are highlighted ⭐ in each row. Tap "+ Add card" in any empty slot to bring a third or fourth contender into the comparison — useful when you're torn between adjacent cards in the same segment.
See every card from the same issuer: HDFC Bank credit cards compared · SBI credit cards compared
