Head-to-head · 🇮🇳 India
SBI SimplyClick vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wins 4 of 10
Wins 4 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | SBI SimplyClick | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | ₹499 | · ₹500 |
| Joining fee | ₹499 | · ₹500 |
| Top reward rate | · 2.5% (shopping) | 5% (shopping) |
| Base reward rate | · 0.25% | 2% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹1,00,000 / yr | ₹50,000 / yr |
| Min income | · ₹3,00,000 | ₹2,40,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.4/5 | · 4.1/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
HDFC MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›SBI SimplyClick vs HDFC MoneyBack+: which is better?
It's a true tie, pick the one whose boost categories match your spend. SBI SimplyClick wins on 4 criteria, HDFC MoneyBack+ on 4.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, HDFC MoneyBack+ for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. HDFC MoneyBack+: 500 CashPoints on first transaction.