Skip to main content

HDFC Bank MoneyBack Plus Credit Card VS SBI SimplyCLICK Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 17 July 2026

Both HDFC Bank MoneyBack Plus Credit Card and SBI SimplyCLICK Credit Card suit shopping-focused spenders, but they earn and cost differently. HDFC Bank MoneyBack Plus Credit Card costs ₹500 + GST and earns 10X CashPoints on Amazon, Flipkart, Swiggy; 2 CashPoints/₹150 on other retail spends. SBI SimplyCLICK Credit Card costs ₹499 + GST and earns 10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline. HDFC Bank MoneyBack Plus Credit Card also brings receive 500 CashPoints as welcome gift upon fee payment, and 500 CashPoints on annual renewal, while SBI SimplyCLICK Credit Card counters with amazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee. If dining spending matters more, go with HDFC Bank MoneyBack Plus Credit Card; if shopping is the priority, SBI SimplyCLICK Credit Card fits better.

HDFC Bank MoneyBack Plus Credit Card
HDFC Bank MoneyBack Plus Credit Card
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual renewal fee waived off by spending ₹50,000 or more in an annual year.
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Foreign Transaction Fees3.5% markup on international spends.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.75% Per Month (45% Annually) on revolving credit.
Interest Rate (APR)3.75% Per Month (45% Yearly).

Rewards & Benefits

Welcome BonusReceive 500 CashPoints as welcome gift upon fee payment, and 500 CashPoints on annual renewal.
Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Rewards RateEarn 10X CashPoints on Amazon, Flipkart, Swiggy; 2 CashPoints/₹150 on other retail spends.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST applies for CashPoints redemption.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessNot Applicable
Domestic Lounge Access
International Lounge AccessNot Applicable
International Lounge Access
Travel BenefitsRedeem CashPoints for flight & hotel bookings via SmartBuy, covering up to 50% of booking value.
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Movie BenefitsNot Applicable
Movie Benefits10X Reward Points on BookMyShow.
Dining Benefits10% discount & up to ₹200 off on dining at over 2,000 premium restaurants via Swiggy Dineout.
Dining Benefits10X Reward Points on Dominos and Swiggy.
Golf BenefitsNot Applicable
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250/month.
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.

Security & Other

Insurance BenefitsZero Lost Card Liability ensures protection against fraudulent transactions if reported immediately.
Insurance Benefits
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500.
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank MoneyBack Plus Credit Card

SBI SimplyCLICK Credit Card

Who is it for?

The HDFC Bank MoneyBack Plus Credit Card offers an enhanced reward rate with a moderate ₹500 fee. Cardholders earn up to 10X CashPoints on partner brands like Amazon and Flipkart, with flexible redemption options including statement adjustments and travel. Additional benefits include annual gift vouchers up to ₹2,000, dining discounts, and fuel surcharge waivers, making it ideal for maximizing daily expenses.

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

Pros

Key benefits and features.

Offers an impressive reward rate of up to 3.33% on partner brands.

Flexible CashPoints redemption options, including statement adjustment and travel.

Earn valuable quarterly gift vouchers worth up to ₹2,000 annually based on spend.

Annual fee waiver achievable with a reasonable annual spending threshold.

Provides attractive dining benefits with Swiggy Dineout for food enthusiasts.

Pros

Key benefits and features.

Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.

Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.

The annual fee can be easily waived by spending ₹1 lakh in the previous year.

Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.

Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.

Cons

Key drawbacks and limitations.

CashPoints earning is capped at 2,500 points per month on accelerated categories.

A rewards redemption fee of ₹99 + GST is charged for point redemptions.

High foreign currency markup of 3.5% makes international spends less ideal.

High interest rate of 45% annually on revolving credit if not paid fully.

Numerous exclusions exist for CashPoint earning, including fuel and wallet loads.

Cons

Key drawbacks and limitations.

Does not offer complimentary domestic or international lounge access, limiting travel perks.

Lacks comprehensive insurance benefits, which might be a concern for some cardholders.

Reward redemption options, while available, might feel limited compared to premium credit cards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank MoneyBack Plus Credit Card(opens in new tab)Apply for SBI SimplyCLICK Credit Card(opens in new tab)