HDFC Bank MoneyBack+ Credit Card vs SimplyCLICK SBI Card
HDFC Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreGood
Annual Fee₹500
Max Reward2%
SBI CardScoreGood
Annual Fee₹499
Max Reward2.5%
Even Match: Both cards tie with an identical CardCheck Score of 64/100.
4-Pillar Head-to-Head Breakdown
HDFC vs SimplyCLICKReward Power
35%HDFC24/35
SimplyCLICK24/35
Tie (24/35)
Fee Value & ROI
25%HDFC24/25
SimplyCLICK24/25
Tie (24/25)
Lounge & Travel
20%HDFC4/20
SimplyCLICK4/20
Tie (4/20)
Forex & Access
20%HDFC12/20
SimplyCLICK12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 64
- 64
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 24/35
- 24/35
- Fee Value & ROI (25%)
- 24/25
- 24/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Regular
- Regular
- Best for
- Beginners — online cashback on Amazon, Flipkart, Swiggy, Zomato
- Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow
03—Fees
- Joining fee
- ₹500
- ₹499Best
- Annual fee
- ₹500
- ₹499Best
- Fee waiver
- ₹50,000Best
- ₹1,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- cashback
- points
- Min rate
- 0.67%Best
- 0.25%
- Max rate
- 2%
- 2.5%Best
- Monthly cap
- —
- ₹100
06—Travel & Lounge
- Domestic lounge / qtr
- 0
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹20,000
- ₹20,000
- Min CIBIL
- 700
- 680Best
- Invite only
Rows won
02of 06
04of 06
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 64 | 64 |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 24/35 | 24/35 |
| Fee Value & ROI (25%) | 24/25 | 24/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Regular | Regular |
| Best for | Beginners — online cashback on Amazon, Flipkart, Swiggy, Zomato | Online shoppers — 10X on Amazon, Cleartrip, Lenskart, BookMyShow |
03—Fees Differences highlighted | ||
| Joining fee | ₹500 | ₹499Best |
| Annual fee | ₹500 | ₹499Best |
| Fee waiver | ₹50,000Best | ₹1,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | cashback | points |
| Min rate | 0.67%Best | 0.25% |
| Max rate | 2% | 2.5%Best |
| Monthly cap | — | ₹100 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 0 | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹20,000 | ₹20,000 |
| Min CIBIL | 700 | 680Best |
| Invite only | ||
| Rows won | 02of 06 | 04of 06 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | HDFC Bank MoneyBack+ Credit Card | SimplyCLICK SBI Card |
|---|---|---|
| CardCheck Score | 64/100Good | 64/100Good |
| Annual Fee | ₹500 | ₹499 |
| Fee Waiver Spend | ₹50,000/yr | ₹1L/yr |
| Max Reward Potential | 2% | 2.5% |
| Domestic Lounge Access | None | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose HDFC Bank MoneyBack+ Credit Card if:
Your spending centers around beginners — online cashback on amazon, flipkart, swiggy, zomato and you want direct partner rewards with HDFC Bank.
Choose SimplyCLICK SBI Card if:
Your spending aligns with online shoppers — 10x on amazon, cleartrip, lenskart, bookmyshow and you prioritize SBI Card's redemption benefits.
Frequently asked questions: HDFC Bank MoneyBack+ Credit Card vs SimplyCLICK SBI Card
- Which is better: HDFC Bank MoneyBack+ Credit Card or SimplyCLICK SBI Card?
- Both HDFC Bank MoneyBack+ Credit Card and SimplyCLICK SBI Card tie with an identical CardCheck Score of 64/100 (Good). Your choice should depend on specific category preferences and whether you prefer HDFC Bank's or SBI Card's merchant partnerships.
- How do annual fees and fee waiver spend rules compare?
- HDFC Bank MoneyBack+ Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000 for renewal fee waiver. In comparison, SimplyCLICK SBI Card charges an annual fee of ₹499 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between HDFC Bank MoneyBack+ Credit Card and SimplyCLICK SBI Card?
- HDFC Bank MoneyBack+ Credit Card offers a base reward rate of 0.67% and up to 2% on accelerated partner categories. Meanwhile, SimplyCLICK SBI Card offers a base rate of 0.25% and up to 2.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: HDFC Bank MoneyBack+ Credit Card or SimplyCLICK SBI Card?
- HDFC Bank MoneyBack+ Credit Card provides no complimentary domestic lounge access. On the other hand, SimplyCLICK SBI Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- HDFC Bank MoneyBack+ Credit Card levies a foreign currency markup fee of 3.5%, while SimplyCLICK SBI Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).