Head-to-head · 🇮🇳 India
SBI SimplyClick vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
HDFC Bank
HDFC MoneyBack+
VISA
Wins 3 of 10
Verdict
SBI SimplyClick wins 5-3. First card for online buyers, low entry fee HDFC MoneyBack+ is still the right call if entry-level cashback with very low waiver bar..
Side-by-side
| Criterion | SBI SimplyClick | HDFC MoneyBack+ |
|---|---|---|
| Annual fee | ₹499 | · ₹500 |
| Joining fee | ₹499 | · ₹500 |
| Top reward rate | 10% (shopping) | · 5% (shopping) |
| Base reward rate | · 1.25% | 2% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹100,000 / yr | ₹50,000 / yr |
| Min income | · ₹300,000 | ₹240,000 |
| 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?
SBI SimplyClick wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›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.